Loan programs · Utah
FHA loan officers in Utah
As of 2026-10-09, LenDb lists 98 loan officers licensed in or based in Utah whose lender pages show FHA loan work. The top-ranked are Teresa Hadley (Intercap Lending, Cottonwood Heights), Brad Mabey (Guild Mortgage, Spanish Fork) and Jeanette John (Intercap Lending, Logan). 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 25
- 1
Teresa HadleyNMLS 246988
Intercap Lending · Cottonwood Heights, UT
- FHA loan
- First-time buyer
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 31 years experience (stated on lender page, 2026-10-09)
- 2
Brad MabeyNMLS 262718
Guild Mortgage · Spanish Fork, UT · licensed in 5 states
- FHA loan
- First-time buyer
- VA loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 20 years experience (stated on lender page, 2026-10-09)
- 3
Jeanette JohnNMLS 611754
Intercap Lending · Logan, UT · licensed in 5 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 25 years experience (stated on lender page, 2026-10-09)
- 4
Kris JamesNMLS 900967
Intercap Lending · Cottonwood Heights, UT
- FHA loan
- Bank statement loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- Lists FHA 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)
- 5
Kristopher MatyasNMLS 864775
Barrett Financial Group · Utah
- FHA loan
- VA loan
- USDA loan
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 25 years experience (stated on lender page, 2026-10-09)
- 6
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- FHA loan
- Down payment assistance
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Bill GaylordNMLS 680603
Guild Mortgage · Henderson, NV · licensed in 7 states
- FHA loan
- DSCR loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 33 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Tyson HareNMLS 1008232
Intercap Lending · Richfield, UT
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 7 years experience (stated on lender page, 2026-10-09)
- 9
Kathy GrayNMLS 238911
Guild Mortgage · St. George, UT · licensed in 2 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- USDA loan
- Lists FHA 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
- 10
Trudi HatchNMLS 139284
Guild Mortgage · Tremonton, UT · licensed in 3 states
- FHA loan
- New construction
- Down payment assistance
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 27 years experience (stated on lender page, 2026-10-09)
- 11
Neil CatorNMLS 222179
Guild Mortgage · Midvale, UT
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 20 years experience (stated on lender page, 2026-10-09)
- 12
Connie HareNMLS 242337
Intercap Lending · Richfield, UT
- FHA loan
- First-time buyer
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 28 years experience (stated on lender page, 2026-10-09)
- 13
Brandon HansenNMLS 283559
Guild Mortgage · Toquerville, UT · licensed in 11 states
- FHA loan
- Asset-based qualifying
- Real estate investor
- Reverse mortgage
- Lists FHA 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
- 14
Corey MerrillNMLS 748082
Intercap Lending · Pleasant Grove, UT
- FHA loan
- Bank statement loan
- Down payment assistance
- Non-QM loan
- Lists FHA 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
Tyler RowlandNMLS 1832068
Intercap Lending · Cedar City, UT · licensed in 6 states
- FHA loan
- Real estate investor
- VA loan
- Lists FHA 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
Andy DavisNMLS 1959567
Intercap Lending · Cottonwood Heights, UT
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA 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
John GrahamNMLS 1973756
Intercap Lending · St. George, UT
- FHA loan
- Reverse mortgage
- USDA loan
- VA loan
- Lists FHA 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
Lydia BellNMLS 2726492
Guild Mortgage · Midvale, UT
- FHA loan
- Down payment assistance
- First-time buyer
- VA loan
- Lists FHA 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
Gregory James BrooksNMLS 151145
Guild Mortgage · San Diego, CA · licensed in 9 states
- FHA loan
- First-time buyer
- Manufactured home
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 20
Tyler AndersonNMLS 315196
Intercap Lending · Cottonwood Heights, UT
- FHA loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- USDA loan
- Lists FHA 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
Joshua CederlofNMLS 309804
Loan Factory · Utah
- FHA loan
- Construction loan
- Real estate investor
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 28 years experience (stated on lender page, 2026-10-09)
- 22
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- FHA loan
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 23
Mike WondergemNMLS 103985
Intercap Lending · Salt Lake City, UT · licensed in 8 states
- FHA loan
- Lists FHA 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 licensed
- 24
Bob VoellerNMLS 131644
CrossCountry Mortgage · Cottonwood Heights, UT
- FHA loan
- VA loan
- Renovation loan (203k / HomeStyle)
- Lists FHA 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
- 25
Ashlie RoeNMLS 639380
CrossCountry Mortgage · Eden, UT · licensed in 11 states
- FHA loan
- Real estate investor
- VA loan
- Construction loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 0 years licensed
Before you choose
Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.
- What minimum credit score do you accept for FHA, with or without overlays?
- How do you handle FHA appraisal repair requirements?
- What will mortgage insurance cost over the life of the 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=fha&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.