---
canonical_url: https://lendb.ai/lo/john-graham-1973756
json_url: https://lendb.ai/lo/john-graham-1973756.json
nmls_id: 1973756
last_verified: 2026-10-09
---

# John Graham

Loan Officer / Loan Officer Assistant at Intercap Lending, St. George, UT. NMLS ID 1973756 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1973756)).

**Summary:** John Graham (NMLS 1973756) is Loan Officer / Loan Officer Assistant at Intercap Lending, based in St. George, UT. Lists Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, Reverse mortgage, USDA loan, VA loan and Jumbo loan. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Utah (UT, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/john-graham/
- **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/john-graham/
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/john-graham/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/john-graham/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/john-graham/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/john-graham/

## About

John specializes in FHA, VA, USDA, conventional, and non-conforming loans including 203k and reverse mortgages. He facilitates connections with jumbo loan programs and leverages Intercap's resources for faster closings.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Intercap Lending (NMLS 190465), St. George, UT. Source: https://www.intercaplending.com/loan-officer/john-graham/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1973756

## Contact

- linkedin_url: https://www.linkedin.com/in/john-graham-33b4255/ (source: lender_site, verified 2026-10-09)
- View profile at Intercap Lending: https://www.intercaplending.com/loan-officer/john-graham/
- Email on file: shown at https://lendb.ai/lo/john-graham-1973756#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1973756
- lender_site: https://www.intercaplending.com/loan-officer/john-graham/

Cite as: John Graham (NMLS 1973756), Intercap Lending. LenDb.ai, https://lendb.ai/lo/john-graham-1973756, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._