{
  "canonical_url": "https://lendb.ai/s/va/utah",
  "summary": "As of 2026-10-09, LenDb lists 100 loan officers licensed in or based in Utah whose lender pages show VA loan work. The top-ranked are Brandon Hicken (Guild Mortgage, Heber City), Jeanette John (Intercap Lending, Logan) and Kristopher Matyas (Barrett Financial Group). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "UT",
  "total": 100,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 2648301,
        "slug": "brandon-hicken-2648301",
        "full_name": "Brandon Hicken",
        "canonical_url": "https://lendb.ai/lo/brandon-hicken-2648301",
        "json_url": "https://lendb.ai/lo/brandon-hicken-2648301.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Heber City",
          "state": "UT"
        },
        "licensed_states": [
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/hebercity/brandon-hicken-409-skbh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-hicken-2648301"
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 611754,
        "slug": "jeanette-john-611754",
        "full_name": "Jeanette John",
        "canonical_url": "https://lendb.ai/lo/jeanette-john-611754",
        "json_url": "https://lendb.ai/lo/jeanette-john-611754.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Logan",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "ID",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/jeanette-john/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeanette-john-611754"
    },
    {
      "rank": 3,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 864775,
        "slug": "kristopher-matyas-864775",
        "full_name": "Kristopher Matyas",
        "canonical_url": "https://lendb.ai/lo/kristopher-matyas-864775",
        "json_url": "https://lendb.ai/lo/kristopher-matyas-864775.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.barrettfinancial.com/kmatyas",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kristopher-matyas-864775"
    },
    {
      "rank": 4,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 1857360,
        "slug": "tyler-carlston-1857360",
        "full_name": "Tyler Carlston",
        "canonical_url": "https://lendb.ai/lo/tyler-carlston-1857360",
        "json_url": "https://lendb.ai/lo/tyler-carlston-1857360.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "South Jordan",
          "state": "UT"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA",
          "GA",
          "ID",
          "IL",
          "NC",
          "NV",
          "OH",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-4673/tyler-carlston/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-carlston-1857360"
    },
    {
      "rank": 5,
      "score": 56,
      "loan_officer": {
        "nmls_id": 900967,
        "slug": "kris-james-900967",
        "full_name": "Kris James",
        "canonical_url": "https://lendb.ai/lo/kris-james-900967",
        "json_url": "https://lendb.ai/lo/kris-james-900967.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "13 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kris-james-900967"
    },
    {
      "rank": 6,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 262718,
        "slug": "brad-mabey-262718",
        "full_name": "Brad Mabey",
        "canonical_url": "https://lendb.ai/lo/brad-mabey-262718",
        "json_url": "https://lendb.ai/lo/brad-mabey-262718.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Spanish Fork",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "NV",
          "SC",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/spanishfork/brad-mabey-161-hpbma.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brad-mabey-262718"
    },
    {
      "rank": 7,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 288158,
        "slug": "leesa-millham-288158",
        "full_name": "Leesa Millham",
        "canonical_url": "https://lendb.ai/lo/leesa-millham-288158",
        "json_url": "https://lendb.ai/lo/leesa-millham-288158.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/cottonwood-heights-ut-4364/leesa-millham/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/leesa-millham-288158"
    },
    {
      "rank": 8,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 2726492,
        "slug": "lydia-bell-2726492",
        "full_name": "Lydia Bell",
        "canonical_url": "https://lendb.ai/lo/lydia-bell-2726492",
        "json_url": "https://lendb.ai/lo/lydia-bell-2726492.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Midvale",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/midvale/lydia-bell-931-hplbe.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/lydia-bell-2726492"
    },
    {
      "rank": 9,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 151145,
        "slug": "gregory-brooks-151145",
        "full_name": "Greg Brooks",
        "canonical_url": "https://lendb.ai/lo/gregory-brooks-151145",
        "json_url": "https://lendb.ai/lo/gregory-brooks-151145.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "KS",
          "MO",
          "OR",
          "TX",
          "UT",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-brooks-151145"
    },
    {
      "rank": 10,
      "score": 54,
      "loan_officer": {
        "nmls_id": 299480,
        "slug": "aaron-morgan-299480",
        "full_name": "Aaron Morgan",
        "canonical_url": "https://lendb.ai/lo/aaron-morgan-299480",
        "json_url": "https://lendb.ai/lo/aaron-morgan-299480.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Draper",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/draper/aaron-morgan-670-hpamor.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-morgan-299480"
    },
    {
      "rank": 11,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 203664,
        "slug": "rachelle-coffey-203664",
        "full_name": "Rachelle Coffey",
        "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664",
        "json_url": "https://lendb.ai/lo/rachelle-coffey-203664.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "GA",
          "NM",
          "OR",
          "SC",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://homeownersfg.com/rachellecoffey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664"
    },
    {
      "rank": 12,
      "score": 53.6,
      "loan_officer": {
        "nmls_id": 1008232,
        "slug": "tyson-hare-1008232",
        "full_name": "Tyson Hare",
        "canonical_url": "https://lendb.ai/lo/tyson-hare-1008232",
        "json_url": "https://lendb.ai/lo/tyson-hare-1008232.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Richfield",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 7,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyson-hare/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "7 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tyson-hare-1008232"
    },
    {
      "rank": 13,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 131644,
        "slug": "bob-voeller-131644",
        "full_name": "Bob Voeller",
        "canonical_url": "https://lendb.ai/lo/bob-voeller-131644",
        "json_url": "https://lendb.ai/lo/bob-voeller-131644.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cottonwood-heights-ut-4364/robert-voeller/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/bob-voeller-131644"
    },
    {
      "rank": 14,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 442493,
        "slug": "danene-strand-442493",
        "full_name": "Danene Strand",
        "canonical_url": "https://lendb.ai/lo/danene-strand-442493",
        "json_url": "https://lendb.ai/lo/danene-strand-442493.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "South Ogden",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "ID",
          "TX",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/danene-strand/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "4 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/danene-strand-442493"
    },
    {
      "rank": 15,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 639380,
        "slug": "ashlie-roe-639380",
        "full_name": "Ashlie Roe",
        "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
        "json_url": "https://lendb.ai/lo/ashlie-roe-639380.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Eden",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/eden-ut-3606/ashlie-roe/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "0 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380"
    },
    {
      "rank": 16,
      "score": 52,
      "loan_officer": {
        "nmls_id": 1889596,
        "slug": "shelby-teeples-1889596",
        "full_name": "Shelby Teeples",
        "canonical_url": "https://lendb.ai/lo/shelby-teeples-1889596",
        "json_url": "https://lendb.ai/lo/shelby-teeples-1889596.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "ID",
          "NV",
          "TX",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 3,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelby-teeples/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "3 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/shelby-teeples-1889596"
    },
    {
      "rank": 17,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 260636,
        "slug": "andrea-roylance-260636",
        "full_name": "Andrea Roylance",
        "canonical_url": "https://lendb.ai/lo/andrea-roylance-260636",
        "json_url": "https://lendb.ai/lo/andrea-roylance-260636.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Farmington",
          "state": "UT"
        },
        "licensed_states": [
          "CA",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/andrea-roylance/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "10 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-roylance-260636"
    },
    {
      "rank": 18,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 748082,
        "slug": "corey-merrill-748082",
        "full_name": "Corey Merrill",
        "canonical_url": "https://lendb.ai/lo/corey-merrill-748082",
        "json_url": "https://lendb.ai/lo/corey-merrill-748082.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/corey-merrill/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/corey-merrill-748082"
    },
    {
      "rank": 19,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1595897,
        "slug": "rajat-jetley-1595897",
        "full_name": "Rajat Jetley",
        "canonical_url": "https://lendb.ai/lo/rajat-jetley-1595897",
        "json_url": "https://lendb.ai/lo/rajat-jetley-1595897.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "HI",
          "MT",
          "OR",
          "TN",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-3175/rajat-jetley/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "2 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/rajat-jetley-1595897"
    },
    {
      "rank": 20,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1832068,
        "slug": "tyler-rowland-1832068",
        "full_name": "Tyler Rowland",
        "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068",
        "json_url": "https://lendb.ai/lo/tyler-rowland-1832068.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cedar City",
          "state": "UT"
        },
        "licensed_states": [
          "CA",
          "CO",
          "ID",
          "NV",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068"
    },
    {
      "rank": 21,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1959567,
        "slug": "andy-davis-1959567",
        "full_name": "Andy Davis",
        "canonical_url": "https://lendb.ai/lo/andy-davis-1959567",
        "json_url": "https://lendb.ai/lo/andy-davis-1959567.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/andy-davis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/andy-davis-1959567"
    },
    {
      "rank": 22,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1973756,
        "slug": "john-graham-1973756",
        "full_name": "John Graham",
        "canonical_url": "https://lendb.ai/lo/john-graham-1973756",
        "json_url": "https://lendb.ai/lo/john-graham-1973756.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/john-graham/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/john-graham-1973756"
    },
    {
      "rank": 23,
      "score": 50,
      "loan_officer": {
        "nmls_id": 315196,
        "slug": "tyler-anderson-315196",
        "full_name": "Tyler Anderson",
        "canonical_url": "https://lendb.ai/lo/tyler-anderson-315196",
        "json_url": "https://lendb.ai/lo/tyler-anderson-315196.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-anderson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-anderson-315196"
    },
    {
      "rank": 24,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 162440,
        "slug": "david-johnson-162440",
        "full_name": "Dave Johnson",
        "canonical_url": "https://lendb.ai/lo/david-johnson-162440",
        "json_url": "https://lendb.ai/lo/david-johnson-162440.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Salt Lake City",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "CO",
          "ID",
          "NV",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/dave-johnson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/david-johnson-162440"
    },
    {
      "rank": 25,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 309804,
        "slug": "joshua-cederlof-309804",
        "full_name": "Joshua Cederlof",
        "canonical_url": "https://lendb.ai/lo/joshua-cederlof-309804",
        "json_url": "https://lendb.ai/lo/joshua-cederlof-309804.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 28,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joshua-cederlof-309804",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "28 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joshua-cederlof-309804"
    }
  ]
}