--- canonical_url: https://lendb.ai/lang/es/utah last_verified: 2026-10-26 --- # Spanish-speaking loan officers in Utah 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. ## Ranked, with reasons 1. **[Hugo Ruiz](https://lendb.ai/lo/hugo-ruiz-316192)** (NMLS 316192), Intercap Lending, Pleasant Grove, UT - 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) 2. **[John Harrison](https://lendb.ai/lo/john-harrison-310820)** (NMLS 310820), Guaranteed Rate Affinity, LLC, Murray, UT - 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) 3. **[Lhersy Fleming](https://lendb.ai/lo/lhersy-fleming-248503)** (NMLS 248503), Intercap Lending, Cottonwood Heights, UT - 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) 4. **[Kathy Gray](https://lendb.ai/lo/kathy-gray-238911)** (NMLS 238911), Guild Mortgage, St. George, UT - 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 5. **[Berenice Diaz de Leon](https://lendb.ai/lo/berenice-diaz-de-leon-1205157)** (NMLS 1205157), Intercap Lending, Cottonwood Heights, UT - 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) 6. **[Travis Hughes](https://lendb.ai/lo/travis-hughes-313494)** (NMLS 313494), Integrity First Lending LLC, South Jordan, UT - 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 7. **[Jose Estrada](https://lendb.ai/lo/jose-estrada-1495268)** (NMLS 1495268), JPMorgan Chase Bank (Chase Home Lending), Holladay, UT - 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) 8. **[Sebastian Duarte](https://lendb.ai/lo/sebastian-duarte-2550604)** (NMLS 2550604), Intercap Lending, Pleasant Grove, UT - 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) 9. **[Tony Farias](https://lendb.ai/lo/tony-farias-226351)** (NMLS 226351), CrossCountry Mortgage, South Jordan, UT - 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) 10. **[Carlos Diaz](https://lendb.ai/lo/carlos-diaz-1596515)** (NMLS 1596515), Intercap Lending, Pleasant Grove, UT - 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: July 16, 2025 (Wyoming), per state regulator 11. **[Randall Hood](https://lendb.ai/lo/randall-hood-314369)** (NMLS 314369), Intercap Lending, Pleasant Grove, UT - 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) 12. **[Jason Hassell](https://lendb.ai/lo/jason-cash-hassell-1563523)** (NMLS 1563523), Guild Mortgage, South Ogden, UT - Speaks Spanish (lender page, verified 2026-10-20) - Office in South Ogden, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Angie Martinez](https://lendb.ai/lo/angie-martinez-1878834)** (NMLS 1878834), Intercap Lending, Cottonwood Heights, UT - 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) 14. **[Chance Hadley](https://lendb.ai/lo/chance-hadley-2031440)** (NMLS 2031440), Guild Mortgage, South Ogden, UT - Speaks Spanish (lender page, verified 2026-10-26) - Office in South Ogden, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Sergio Diaz](https://lendb.ai/lo/sergio-diaz-2301996)** (NMLS 2301996), Intercap Lending, St. George, UT - 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) 16. **[Lluvia Quintana](https://lendb.ai/lo/lluvia-quintana-2067163)** (NMLS 2067163), Belem Servicing LLC, St. George, UT - Speaks Spanish (lender page, verified 2026-10-26) - Office in St. George, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Ryan Lauper](https://lendb.ai/lo/ryan-lauper-236629)** (NMLS 236629), Lifetime Home Loans, LLC - Speaks Spanish (lender page, verified 2026-10-15) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 7, 2025 (California), per state regulator - States 20 years of experience (lender page, 2026-10-15) 18. **[Jeremy Coccimiglio](https://lendb.ai/lo/jeremy-coccimiglio-268654)** (NMLS 268654), Lifetime Home Loans, LLC - Speaks Spanish (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 5, 2024 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-26) 19. **[Andreia Faustino](https://lendb.ai/lo/andreia-faustino-295147)** (NMLS 295147), American Pacific Mortgage, Layton, UT - Speaks Spanish (lender page, verified 2026-10-20) - Office in Layton, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Jorge Madrid](https://lendb.ai/lo/jorge-madrid-267553)** (NMLS 267553), The Mortgage Link, Inc., Dallas, TX - Speaks Spanish (lender page, verified 2026-10-15) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 24, 2010 (Texas), per state regulator - States 16 years of experience (lender page, 2026-10-15) 21. **[Erick Soto](https://lendb.ai/lo/erick-soto-778882)** (NMLS 778882), U.S. Bank, Salt Lake City, UT - Speaks Spanish (lender page, verified 2026-10-21) - Office in Salt Lake City, UT - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Bill Zimmerman](https://lendb.ai/lo/william-zimmerman-3773)** (NMLS 3773), Summit Mortgage Corporation, Boise, ID - Speaks Spanish (lender page, verified 2026-10-15) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 5, 2012 (Oregon), per state regulator 23. **[David Rodriguez](https://lendb.ai/lo/david-rodriguez-209052)** (NMLS 209052), Integrity Home Mortgage Corporation, Jersey Village, TX - Speaks Spanish (lender page, verified 2026-10-15) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 2, 2010 (Texas), per state regulator 24. **[Israel Sanchez](https://lendb.ai/lo/israel-sanchez-2181978)** (NMLS 2181978), Loan Factory - Speaks Spanish (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 24, 2021 (Iowa), per state regulator 25. **[Warren Walborn](https://lendb.ai/lo/warren-walborn-2692131)** (NMLS 2692131), Loan Factory, Orlando, FL - Speaks Spanish (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 30, 2025 (Florida), per state regulator Cite as: LenDb.ai, https://lendb.ai/lang/es/utah. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._