Borrower situations · Utah
Loan officers for borrowers who qualify on assets in Utah
As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Utah whose lender pages show Asset-based qualifying work. The top-ranked are Brandon Hansen (Guild Mortgage, Toquerville), Iris Legaspi (First Citizens Bank, San Diego) and Denise McManus (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 3
- 1
Brandon HansenNMLS 283559
Guild Mortgage · Toquerville, UT · licensed in 11 states
- Asset-based qualifying
- Real estate investor
- Reverse mortgage
- Bank statement loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 8 years licensed
- 2
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Asset-based qualifying
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Denise McManusNMLS 1982222
Xpert Home Lending · licensed in 5 states
- Asset-based qualifying
- Non-QM loan
- Real estate investor
- Self-employed
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Which accounts count, at what percentage, and over what term differs across lenders and programs.
- Which accounts count toward asset qualifying, and at what percentage?
- How do you calculate monthly income from my assets?
- Is this an agency or a non-QM program?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in UT or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=asset-based&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.