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Borrower situations · Wyoming

Loan officers for borrowers who qualify on assets in Wyoming

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Wyoming 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 Michelle Krusmark (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in WY, 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. 1

    Brandon HansenNMLS 283559

    Guild Mortgage · Toquerville, UT · licensed in 11 states

    • Asset-based qualifying
    • Reverse mortgage
    • WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Asset-based qualifying
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  3. 3

    Michelle KrusmarkNMLS 2717683

    Xpert Home Lending · Mortgage broker · licensed in 3 states

    • Asset-based qualifying
    • Down payment assistance
    • FHA loan
    • HELOC
    • WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Colorado records)

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?

More about Asset-based qualifying

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a WY license is confirmed with the state regulator (check mark), WY is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=asset-based&state=WY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.