--- canonical_url: https://lendb.ai/s/fha/utah last_verified: 2026-10-09 --- # FHA loan officers in Utah As of 2026-10-09, LenDb lists 49 loan officers licensed in or based in Utah whose lender pages show FHA loan work. The top-ranked are Jay Garvens (Churchill Mortgage, Colorado Springs), Tyler Rowland (Intercap Lending, Cedar City) and Brad Mabey (Guild Mortgage, Spanish Fork). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 2. **[Tyler Rowland](https://lendb.ai/lo/tyler-rowland-1832068)** (NMLS 1832068), Intercap Lending, Cedar City, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Cedar City, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 6 years of experience (lender page, 2026-10-09) 3. **[Brad Mabey](https://lendb.ai/lo/brad-mabey-262718)** (NMLS 262718), Guild Mortgage, Spanish Fork, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Spanish Fork, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 4. **[Emily Magill](https://lendb.ai/lo/emily-magill-279638)** (NMLS 279638), Intercap Lending, Pleasant Grove, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Pleasant Grove, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 5. **[Ashlie Roe](https://lendb.ai/lo/ashlie-roe-639380)** (NMLS 639380), CrossCountry Mortgage, Eden, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Eden, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 6. **[Greg Brooks](https://lendb.ai/lo/gregory-brooks-151145)** (NMLS 151145), Guild Mortgage, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 7. **[Jimmy Miller](https://lendb.ai/lo/jimmy-miller-222015)** (NMLS 222015), Intercap Lending, Pleasant Grove, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Pleasant Grove, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Shannon Johnson](https://lendb.ai/lo/shannon-johnson-916249)** (NMLS 916249), Intercap Lending, Brigham City, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Brigham City, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Brady Beyer](https://lendb.ai/lo/brady-beyer-1041865)** (NMLS 1041865), Intercap Lending, Cottonwood Heights, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Lydia Bell](https://lendb.ai/lo/lydia-bell-2726492)** (NMLS 2726492), Guild Mortgage, Midvale, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Midvale, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Matt Shiner](https://lendb.ai/lo/matthew-shiner-1260521)** (NMLS 1260521), NFM Lending, Tempe, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 12. **[Bob Voeller](https://lendb.ai/lo/bob-voeller-131644)** (NMLS 131644), CrossCountry Mortgage, Cottonwood Heights, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 14. **[Christian Martinez](https://lendb.ai/lo/christian-martinez-277428)** (NMLS 277428), Intercap Lending, Pleasant Grove, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Pleasant Grove, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Debbie Hartman](https://lendb.ai/lo/debbie-hartman-64281)** (NMLS 64281), Guild Mortgage, St. George, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in St. George, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Mark Moyes](https://lendb.ai/lo/mark-moyes-267431)** (NMLS 267431), Intercap Lending, Cottonwood Heights, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Josh Vollmer](https://lendb.ai/lo/josh-vollmer-1105429)** (NMLS 1105429), American Pacific Mortgage, Layton, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Layton, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists FHA loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Aaron Sanmarti](https://lendb.ai/lo/aaron-sanmarti-1749627)** (NMLS 1749627), Guild Mortgage, Layton, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Layton, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Chris Rowe](https://lendb.ai/lo/chris-rowe-1494973)** (NMLS 1494973), Guild Mortgage, Layton, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Layton, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Greg Potter](https://lendb.ai/lo/greg-potter-420791)** (NMLS 420791), JPMorgan Chase Bank (Chase Home Lending), Cedar Hills, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Cedar Hills, UT - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2023 (per Florida records) 23. **[Jose Estrada](https://lendb.ai/lo/jose-estrada-1495268)** (NMLS 1495268), JPMorgan Chase Bank (Chase Home Lending), Holladay, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Holladay, UT - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 24. **[John Green](https://lendb.ai/lo/john-green-106080)** (NMLS 106080), JPMorgan Chase Bank (Chase Home Lending), Bountiful, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Bountiful, UT - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Jonathon Hawk](https://lendb.ai/lo/jonathon-hawk-1438198)** (NMLS 1438198), JPMorgan Chase Bank (Chase Home Lending), Orem, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Orem, UT - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/utah. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._