{ "canonical_url": "https://lendb.ai/lang/es/utah", "summary": "As of 2026-10-26, LenDb lists 33 loan officers licensed in or based in Utah whose lender pages say they speak Spanish. The top-ranked are Hugo Ruiz (Intercap Lending, Pleasant Grove), John Harrison (Guaranteed Rate Affinity, LLC, Murray) and Lhersy Fleming (Intercap Lending, Cottonwood Heights). Ranking is lender-neutral: a license in UT, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "UT", "total": 33, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.5, "loan_officer": { "nmls_id": 316192, "slug": "hugo-ruiz-316192", "full_name": "Hugo Ruiz", "licensed_names": [ { "name": "Hugo Ruiz", "name_with_middle_initial": "Hugo F. Ruiz", "first_name": "Hugo", "middle_initial": "F", "last_name": "Ruiz", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/hugo-ruiz-316192", "json_url": "https://lendb.ai/lo/hugo-ruiz-316192.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "slug": "intercap-lending-190465", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2023/02/Hugo-Ruiz-600x900-1-300x450.png", "licensed_states": [ "TX", "UT" ], "licenses": [ { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-11-01", "state": "TX" }, "licensed_since": { "year": 2024, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.intercaplending.com/loan-officer/hugo-ruiz/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Pleasant Grove, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 1, 2024 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/hugo-ruiz-316192", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.intercaplending.com/loan-officer/hugo-ruiz/" } }, { "rank": 2, "score": 43.3, "loan_officer": { "nmls_id": 310820, "slug": "john-harrison-310820", "full_name": "John Harrison", "licensed_names": [ { "name": "John Harrison", "name_with_middle_initial": "John A. Harrison", "first_name": "John", "middle_initial": "A", "last_name": "Harrison", "states": [ "FL", "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/john-harrison-310820", "json_url": "https://lendb.ai/lo/john-harrison-310820.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Murray", "state": "UT" }, "headshot_url": "https://a.mktgcdn.com/p/wVyuj6ORkIh64514jj-2iiuDlcYYK4kQQMwNvWELuOw/191x275.jpg", "licensed_states": [ "FL", "AK", "ID", "MD", "NC", "TN", "UT", "VA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-06-03", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 29, "lender_profile_url": "https://www.grarate.com/loan-officers/john-harrison-310820", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Murray, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 3, 2026 (Florida), per state regulator", "States 29 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/john-harrison-310820", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.grarate.com/loan-officers/john-harrison-310820" } }, { "rank": 3, "score": 42.3, "loan_officer": { "nmls_id": 248503, "slug": "lhersy-fleming-248503", "full_name": "Lhersy Fleming", "canonical_url": "https://lendb.ai/lo/lhersy-fleming-248503", "json_url": "https://lendb.ai/lo/lhersy-fleming-248503.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "slug": "intercap-lending-190465", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2019/05/Lhersy-Fleming-600x900-2026-3-300x450.png", "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 19, "lender_profile_url": "https://www.intercaplending.com/loan-officer/lhersy-fleming/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Cottonwood Heights, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 19 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/lhersy-fleming-248503", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.intercaplending.com/loan-officer/lhersy-fleming/" } }, { "rank": 4, "score": 41.5, "loan_officer": { "nmls_id": 238911, "slug": "kathy-gray-238911", "full_name": "Kathy Gray", "canonical_url": "https://lendb.ai/lo/kathy-gray-238911", "json_url": "https://lendb.ai/lo/kathy-gray-238911.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "St. George", "state": "UT" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/vekg-kathy-gray.jpg", "licensed_states": [ "CA", "UT" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-06-16", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in St. George, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 16, 2010 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/kathy-gray-238911", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html" } }, { "rank": 5, "score": 40.5, "loan_officer": { "nmls_id": 1205157, "slug": "berenice-diaz-de-leon-1205157", "full_name": "Berenice Diaz de Leon", "canonical_url": "https://lendb.ai/lo/berenice-diaz-de-leon-1205157", "json_url": "https://lendb.ai/lo/berenice-diaz-de-leon-1205157.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "slug": "intercap-lending-190465", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2023/11/Berenice-Diaz-de-Leon-600x900-1-300x450.png", "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 14, "lender_profile_url": "https://www.intercaplending.com/loan-officer/berenice-diaz/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Cottonwood Heights, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 14 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/berenice-diaz-de-leon-1205157", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.intercaplending.com/loan-officer/berenice-diaz/" } }, { "rank": 6, "score": 34, "loan_officer": { "nmls_id": 313494, "slug": "travis-hughes-313494", "full_name": "Travis Hughes", "licensed_names": [ { "name": "Richard Hughes", "name_with_middle_initial": "Richard T. Hughes", "first_name": "Richard", "middle_initial": "T", "last_name": "Hughes", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/travis-hughes-313494", "json_url": "https://lendb.ai/lo/travis-hughes-313494.json", "lender": { "nmls_id": 1006977, "name": "Integrity First Lending LLC", "slug": "integrity-first-lending-llc-1006977", "canonical_url": "https://lendb.ai/lender/integrity-first-lending-llc-1006977", "type": "imb" }, "branch": { "city": "South Jordan", "state": "UT" }, "headshot_url": "https://www.integritylending.com/wp-content/uploads/2021/12/Travis-Hughes-copy.jpg", "licensed_states": [ "CA", "AZ", "ID", "UT" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2025-07-17", "state": "CA" }, "licensed_since": { "year": 2025, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.integritylending.com/travis-hughes/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in South Jordan, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 17, 2025 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/travis-hughes-313494", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://www.integritylending.com/travis-hughes/" } }, { "rank": 7, "score": 33.8, "loan_officer": { "nmls_id": 1495268, "slug": "jose-estrada-1495268", "full_name": "Jose Estrada", "canonical_url": "https://lendb.ai/lo/jose-estrada-1495268", "json_url": "https://lendb.ai/lo/jose-estrada-1495268.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Holladay", "state": "UT" }, "headshot_url": "http://a.mktgcdn.com/p/qnbgiqErV-8MJJVMtAxqmk0jNA4lTOnSiDe9KH4793M/712x1067.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 7, "lender_profile_url": "https://homelendingadvisor.chase.com/ut/holladay/4837-s-highland-dr-hla-1495268", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Holladay, UT", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 7 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jose-estrada-1495268", "license_check": { "state": "UT", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 8, "score": 33.5, "loan_officer": { "nmls_id": 2550604, "slug": "sebastian-duarte-2550604", "full_name": "Sebastian Duarte", "canonical_url": "https://lendb.ai/lo/sebastian-duarte-2550604", "json_url": "https://lendb.ai/lo/sebastian-duarte-2550604.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "slug": "intercap-lending-190465", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2025/03/Sebastian-Duarte-600x900-1-300x450.png", "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.intercaplending.com/loan-officer/sebastian-duarte/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Pleasant Grove, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/sebastian-duarte-2550604", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.intercaplending.com/loan-officer/sebastian-duarte/" } }, { "rank": 9, "score": 33.3, "loan_officer": { "nmls_id": 226351, "slug": "tony-farias-226351", "full_name": "Tony Farias", "canonical_url": "https://lendb.ai/lo/tony-farias-226351", "json_url": "https://lendb.ai/lo/tony-farias-226351.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "South Jordan", "state": "UT" }, "headshot_url": "https://thevault.ccm.com/asset/67dca3fd-c787-46a5-8bdc-12944a313c7b/Website/3604_Farias_226351.jpg", "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-3604/anthony-farias/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in South Jordan, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/tony-farias-226351", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/south-jordan-ut-3604/anthony-farias/" } }, { "rank": 10, "score": 33.3, "loan_officer": { "nmls_id": 1596515, "slug": "carlos-diaz-1596515", "full_name": "Carlos Diaz", "licensed_names": [ { "name": "Carlos Diaz", "name_with_middle_initial": "Carlos F. Diaz", "first_name": "Carlos", "middle_initial": "F", "last_name": "Diaz", "states": [ "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/carlos-diaz-1596515", "json_url": "https://lendb.ai/lo/carlos-diaz-1596515.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "slug": "intercap-lending-190465", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2020/11/Carlos-Diaz-600x900-1-300x450.png", "licensed_states": [ "UT", "WY" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-07-16", "state": "WY" }, "licensed_since": { "year": 2025, "state": "WY" }, "years_experience": null, "lender_profile_url": "https://www.intercaplending.com/loan-officer/carlos-diaz/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Pleasant Grove, UT", "UT listed on their lender page (not yet checked with the state regulator; 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