---
canonical_url: https://lendb.ai/lo/kris-james-900967
json_url: https://lendb.ai/lo/kris-james-900967.json
nmls_id: 900967
last_verified: 2026-10-09
---

# Kris James

Loan Officer at Intercap Lending, Cottonwood Heights, UT. NMLS ID 900967 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/900967)).

**Summary:** Kris James (NMLS 900967) is Loan Officer at Intercap Lending, based in Cottonwood Heights, UT. Lists Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Real estate investor and VA loan. States 13 years of experience. 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.
- Years experience (stated by the LO): 13 (source: https://www.intercaplending.com/loan-officer/kris-james/, verified 2026-10-09)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/kris-james/
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/kris-james/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/kris-james/

## About

Kris James has over 13 years in the mortgage industry, helping first-time buyers, move-up families, veterans, and investors. Active in the community as a firefighter.

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

## Facts from the lender page and intro

- years_experience: 13. Source: https://www.intercaplending.com/loan-officer/kris-james/, verified 2026-10-09.
- community: Firefighter serving community. Source: https://www.intercaplending.com/loan-officer/kris-james/, 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), Cottonwood Heights, UT. Source: https://www.intercaplending.com/loan-officer/kris-james/, 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/900967

## Contact

- View profile at Intercap Lending: https://www.intercaplending.com/loan-officer/kris-james/
- Email on file: shown at https://lendb.ai/lo/kris-james-900967#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/900967
- lender_site: https://www.intercaplending.com/loan-officer/kris-james/

Cite as: Kris James (NMLS 900967), Intercap Lending. LenDb.ai, https://lendb.ai/lo/kris-james-900967, last verified 2026-10-09.

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