---
canonical_url: https://lendb.ai/lo/teresa-hadley-246988
json_url: https://lendb.ai/lo/teresa-hadley-246988.json
nmls_id: 246988
last_verified: 2026-10-09
---

# Teresa Hadley

Loan Officer at Intercap Lending, Cottonwood Heights, UT. NMLS ID 246988 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/246988)).

**Summary:** Teresa Hadley (NMLS 246988) is Loan Officer at Intercap Lending, based in Cottonwood Heights, UT. Lists Utah on the lender page (not yet checked with the state regulator). States 31 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 31 (source: https://www.intercaplending.com/loan-officer/teresa-hadley/, 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


## About

Teresa has 31+ years of mortgage experience starting at Zions Mortgage Company in 1993, offering conventional, USDA, FHA, and first-time homebuyer programs.

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

## Facts from the lender page and intro

- years_experience: 31. Source: https://www.intercaplending.com/loan-officer/teresa-hadley/, verified 2026-10-09.
- years_experience: since 1993. Source: https://www.intercaplending.com/loan-officer/teresa-hadley/, verified 2026-10-09.
- role: Loan Officer at Intercap Lending. Source: https://www.intercaplending.com/loan-officer/teresa-hadley/, 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/teresa-hadley/, 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/246988

## Contact

- linkedin_url: https://www.linkedin.com/in/teresa-hadley-12241996/ (source: lender_site, verified 2026-10-09)
- View profile at Intercap Lending: https://www.intercaplending.com/loan-officer/teresa-hadley/
- Email on file: shown at https://lendb.ai/lo/teresa-hadley-246988#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/246988
- lender_site: https://www.intercaplending.com/loan-officer/teresa-hadley/

Cite as: Teresa Hadley (NMLS 246988), Intercap Lending. LenDb.ai, https://lendb.ai/lo/teresa-hadley-246988, last verified 2026-10-09.

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