---
canonical_url: https://lendb.ai/lo/spencer-penrod-2813809
json_url: https://lendb.ai/lo/spencer-penrod-2813809.json
nmls_id: 2813809
last_verified: 2026-10-09
---

# Spencer Penrod

Outside Loan Originator at CrossCountry Mortgage, South Jordan, UT. NMLS ID 2813809 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2813809)).

**Summary:** Spencer Penrod (NMLS 2813809) is Outside Loan Originator at CrossCountry Mortgage, based in South Jordan, UT. Lists Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan, Real estate investor and Self-employed. 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

- **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/

## About

Spencer specializes in self-employed borrowers, entrepreneurs, jumbo loans, investment properties and bridge financing, with a background in underwriting and alternative documentation loans.

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

## Facts from the lender page and intro

- community: Regularly supports local charities and service projects with family. Source: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/, 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: CrossCountry Mortgage (NMLS 3029), South Jordan, UT. Source: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/, 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/2813809

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/
- Office phone and Email on file: shown at https://lendb.ai/lo/spencer-penrod-2813809#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2813809
- lender_site: https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/

Cite as: Spencer Penrod (NMLS 2813809), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/spencer-penrod-2813809, last verified 2026-10-09.

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