{
  "canonical_url": "https://lendb.ai/s/bank-statement/utah",
  "summary": "As of 2026-10-09, LenDb lists 22 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.",
  "specialty": "bank-statement",
  "state": "UT",
  "total": 22,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56,
      "loan_officer": {
        "nmls_id": 900967,
        "slug": "kris-james-900967",
        "full_name": "Kris James",
        "canonical_url": "https://lendb.ai/lo/kris-james-900967",
        "json_url": "https://lendb.ai/lo/kris-james-900967.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kris-james-900967"
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 283559,
        "slug": "brandon-hansen-283559",
        "full_name": "Brandon Hansen",
        "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559",
        "json_url": "https://lendb.ai/lo/brandon-hansen-283559.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Toquerville",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "ID",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559"
    },
    {
      "rank": 3,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 748082,
        "slug": "corey-merrill-748082",
        "full_name": "Corey Merrill",
        "canonical_url": "https://lendb.ai/lo/corey-merrill-748082",
        "json_url": "https://lendb.ai/lo/corey-merrill-748082.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/corey-merrill/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/corey-merrill-748082"
    },
    {
      "rank": 4,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1794818,
        "slug": "scott-buehler-1794818",
        "full_name": "Scott Buehler",
        "canonical_url": "https://lendb.ai/lo/scott-buehler-1794818",
        "json_url": "https://lendb.ai/lo/scott-buehler-1794818.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "NV",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/scott-buehler-521-sgwbu.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-buehler-1794818"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2675681,
        "slug": "bailee-beck-2675681",
        "full_name": "Bailee Beck",
        "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681",
        "json_url": "https://lendb.ai/lo/bailee-beck-2675681.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/bailee-beck/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681"
    },
    {
      "rank": 6,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 308611,
        "slug": "brent-rose-308611",
        "full_name": "Brent Rose",
        "canonical_url": "https://lendb.ai/lo/brent-rose-308611",
        "json_url": "https://lendb.ai/lo/brent-rose-308611.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "TX",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/brent-rose-lo/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brent-rose-308611"
    },
    {
      "rank": 7,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 1595897,
        "slug": "rajat-jetley-1595897",
        "full_name": "Rajat Jetley",
        "canonical_url": "https://lendb.ai/lo/rajat-jetley-1595897",
        "json_url": "https://lendb.ai/lo/rajat-jetley-1595897.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "HI",
          "MT",
          "OR",
          "TN",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-3175/rajat-jetley/"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rajat-jetley-1595897"
    },
    {
      "rank": 8,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 280921,
        "slug": "chad-mayer-280921",
        "full_name": "Chad Mayer",
        "canonical_url": "https://lendb.ai/lo/chad-mayer-280921",
        "json_url": "https://lendb.ai/lo/chad-mayer-280921.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "IL",
          "MO",
          "MT",
          "ND",
          "NM",
          "PA",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/az/scottsdale/chad-mayer-689-chcmay.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/chad-mayer-280921"
    },
    {
      "rank": 9,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 1419225,
        "slug": "eleanor-ramirez-nelson-1419225",
        "full_name": "Ellie Nelson",
        "canonical_url": "https://lendb.ai/lo/eleanor-ramirez-nelson-1419225",
        "json_url": "https://lendb.ai/lo/eleanor-ramirez-nelson-1419225.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Las Vegas",
          "state": "NV"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "IL",
          "MN",
          "NV",
          "TX",
          "UT",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/enelson"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/eleanor-ramirez-nelson-1419225"
    },
    {
      "rank": 10,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 260618,
        "slug": "hope-orton-260618",
        "full_name": "Hope Orton",
        "canonical_url": "https://lendb.ai/lo/hope-orton-260618",
        "json_url": "https://lendb.ai/lo/hope-orton-260618.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/hope-orton/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/hope-orton-260618"
    },
    {
      "rank": 11,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 80226,
        "slug": "karen-nielson-80226",
        "full_name": "Karen Nielson",
        "canonical_url": "https://lendb.ai/lo/karen-nielson-80226",
        "json_url": "https://lendb.ai/lo/karen-nielson-80226.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Logan",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "ID",
          "ND",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/logan/karen-nielson-118-tgkn.html"
      },
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            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/denise-mcmanus"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222"
    }
  ]
}