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Loan programs · Utah

Bank statement loan officers in Utah

As of 2026-10-09, LenDb lists 21 loan officers licensed in or based in Utah whose lender pages show Bank statement loan work. The top-ranked are Kris James (Intercap Lending, Cottonwood Heights), Brandon Hansen (Guild Mortgage, Toquerville) and Corey Merrill (Intercap Lending, Pleasant Grove). 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 21

  1. 1

    Kris JamesNMLS 900967

    Intercap Lending · Cottonwood Heights, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • 13 years experience (stated on lender page, 2026-10-09)
  2. 2

    Brandon HansenNMLS 283559

    Guild Mortgage · Toquerville, UT · licensed in 11 states

    • Bank statement loan
    • Asset-based qualifying
    • Real estate investor
    • Reverse mortgage
    • Lists Bank statement loan 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
  3. 3

    Corey MerrillNMLS 748082

    Intercap Lending · Pleasant Grove, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Non-QM loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  4. 4

    Scott BuehlerNMLS 1794818

    Guild Mortgage · St. George, UT · licensed in 5 states

    • Bank statement loan
    • New construction
    • Self-employed
    • Down payment assistance
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  5. 5

    Bailee BeckNMLS 2675681

    Intercap Lending · Pleasant Grove, UT

    • Bank statement loan
    • Down payment assistance
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  6. 6

    Brent RoseNMLS 308611

    Intercap Lending · Pleasant Grove, UT · licensed in 4 states

    • Bank statement loan
    • Down payment assistance
    • Jumbo loan
    • Non-QM loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • 14 years licensed
  7. 7

    Chad MayerNMLS 280921

    Guild Mortgage · Scottsdale, AZ · licensed in 12 states

    • Bank statement loan
    • DSCR loan
    • Non-QM loan
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Ellie NelsonNMLS 1419225

    Barrett Financial Group · Las Vegas, NV · licensed in 8 states

    • Bank statement loan
    • Construction loan
    • First-time buyer
    • Down payment assistance
    • Lists Bank statement loan 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
  9. 9

    Hope OrtonNMLS 260618

    Intercap Lending · St. George, UT · licensed in 8 states

    • Bank statement loan
    • First-time buyer
    • Real estate investor
    • Down payment assistance
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • 4 years licensed
  10. 10

    Karen NielsonNMLS 80226

    Guild Mortgage · Logan, UT · licensed in 5 states

    • Bank statement loan
    • Construction loan
    • DSCR loan
    • FHA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • 3 years licensed
  11. 11

    Shannon JohnsonNMLS 916249

    Intercap Lending · Brigham City, UT · licensed in 4 states

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Non-QM loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  12. 12

    Chloe McCombsNMLS 2012812

    Intercap Lending · Salt Lake City, UT

    • Bank statement loan
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  13. 13

    Sebastian DuarteNMLS 2550604

    Intercap Lending · Pleasant Grove, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  14. 14

    Eric SimonsonNMLS 282307

    Intercap Lending · Cottonwood Heights, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  15. 15

    Dustin CooperNMLS 306355

    Intercap Lending · South Ogden, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  16. 16

    Kassidy ScogganNMLS 1631389

    Intercap Lending · Tooele, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  17. 17

    Kason WhitesidesNMLS 1979133

    Intercap Lending · St. George, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  18. 18

    Kurt CampbellNMLS 2568364

    Intercap Lending · Brigham City, UT

    • Bank statement loan
    • Down payment assistance
    • Renovation loan (203k / HomeStyle)
    • Reverse mortgage
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  19. 19

    Silvia BahenaNMLS 2583560

    Intercap Lending · Tooele, UT

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  20. 20

    Matt GarciaNMLS 2734948

    Intercap Lending · St. George, UT · licensed in 4 states

    • Bank statement loan
    • Down payment assistance
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • No disciplinary actions on file at LenDb
  21. 21

    Denise McManusNMLS 1982222

    Xpert Home Lending · licensed in 5 states

    • Bank statement loan
    • Non-QM loan
    • Real estate investor
    • Self-employed
    • Lists Bank statement loan 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

Expense factors and deposit analysis vary, so the same statements can qualify for very different amounts.

  • Do you use personal or business statements, and what expense factor?
  • How do you treat large or irregular deposits?
  • How does pricing compare with a full documentation loan?

More about Bank statement loan

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=bank-statement&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.