Borrower situations · Utah
Loan officers for real estate investors in Utah
As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Utah whose lender pages show Real estate investor work. The top-ranked are Mike Molina (Intercap Lending, Cottonwood Heights), Jessica Phair (Intercap Lending, Pleasant Grove) and Kris James (Intercap Lending, Cottonwood Heights). 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
Mike MolinaNMLS 230545
Intercap Lending · Cottonwood Heights, UT · licensed in 6 states
- Real estate investor
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Cottonwood Heights, UT
- States 19 years of experience (lender page, 2026-10-09)
- 2
Jessica PhairNMLS 290852
Intercap Lending · Pleasant Grove, UT · licensed in 5 states
- Real estate investor
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Pleasant Grove, UT
- States 20 years of experience (lender page, 2026-10-09)
- 3
Kris JamesNMLS 900967
Intercap Lending · Cottonwood Heights, UT
- Real estate investor
- First-time buyer
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Cottonwood Heights, UT
- States 13 years of experience (lender page, 2026-10-09)
- 4
Ashlie RoeNMLS 639380
CrossCountry Mortgage · Eden, UT · licensed in 11 states
- Real estate investor
- FHA loan
- VA loan
- Construction loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Eden, UT
- Licensed since 2018 (per Colorado records)
- 5
Andrea RoylanceNMLS 260636
Intercap Lending · Farmington, UT · licensed in 3 states
- Real estate investor
- First-time buyer
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Farmington, UT
- States 10 years of experience (lender page, 2026-10-09)
- 6
Cesar PardoNMLS 942929
Revolution Mortgage · Puyallup, WA · licensed in 13 states
- Real estate investor
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- States 12 years of experience (lender page, 2026-10-09)
- 7
Tyler RowlandNMLS 1832068
Intercap Lending · Cedar City, UT · licensed in 6 states
- Real estate investor
- FHA loan
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Cedar City, UT
- Licensed since 2022 (per Colorado records)
- States 6 years of experience (lender page, 2026-10-09)
- 8
Leesa MillhamNMLS 288158
CrossCountry Mortgage · Cottonwood Heights, UT
- Real estate investor
- VA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Cottonwood Heights, UT
- States 25 years of experience (lender page, 2026-10-09)
- 9
Corey MerrillNMLS 748082
Intercap Lending · Pleasant Grove, UT
- Real estate investor
- First-time buyer
- Jumbo loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Pleasant Grove, UT
- States 4 years of experience (lender page, 2026-10-09)
- 10
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Real estate investor
- Non-QM loan
- Self-employed
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 11
Chantry AbbottNMLS 309670
Guild Mortgage · St. George, UT · licensed in 8 states
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in St. George, UT
- 12
Spencer PenrodNMLS 2813809
CrossCountry Mortgage · South Jordan, UT
- Real estate investor
- Jumbo loan
- Self-employed
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in South Jordan, UT
- 13
Molly Barndt, MBA, CSCPNMLS 2236749
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Real estate investor
- Physician and medical professional
- Jumbo loan
- Non-QM loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 5 years of experience (lender page, 2026-10-09)
- 14
Tracey MayNMLS 361738
Loan Factory · Mortgage broker · Utah · licensed in 2 states
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Utah
- 15
Hope OrtonNMLS 260618
Intercap Lending · St. George, UT · licensed in 8 states
- Real estate investor
- First-time buyer
- VA loan
- Jumbo loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in St. George, UT
- Licensed since 2022 (per Florida records)
- 16
Denise McManusNMLS 1982222
Xpert Home Lending · Mortgage broker · licensed in 5 states
- Real estate investor
- Self-employed
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 17
Boston TaylorNMLS 2028368
Guild Mortgage · Draper, UT · licensed in 12 states
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Draper, UT
- 18
Josh SurverNMLS 2459945
Xpert Home Lending · Mortgage broker · licensed in 26 states
- Real estate investor
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 19
Chad MayerNMLS 280921
Guild Mortgage · Scottsdale, AZ · licensed in 12 states
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Colorado records)
- 20
Michael MurgatroyNMLS 60099
CrossCountry Mortgage · Delray Beach, FL · licensed in 49 states
- Real estate investor
- Jumbo loan
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 21
Michelle BobartNMLS 137164
CrossCountry Mortgage · Chicago, IL · licensed in 50 states
- Real estate investor
- Jumbo loan
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 22
Roger WightmanNMLS 1089536
Churchill Mortgage · Portland, OR · licensed in 16 states
- Real estate investor
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Colorado records)
- 23
Kody CondieNMLS 1742865
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 4 states
- Real estate investor
- Down payment assistance
- Non-QM loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Cottonwood Heights, UT
- Licensed since 2019 (per Colorado records)
- 24
Maria MoralesNMLS 1937753
Intercap Lending · Salt Lake City, UT
- Real estate investor
- First-time buyer
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Salt Lake City, UT
- States 7 years of experience (lender page, 2026-10-09)
- 25
Israel SanchezNMLS 2181978
Loan Factory · Mortgage broker · licensed in 5 states
- Real estate investor
- Down payment assistance
- Self-employed
- Bank statement loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
Before you choose
Agency limits on financed properties, reserves and rental income treatment push experienced investors toward specialized lenders.
- How many financed properties can I have with your programs?
- Can I close in an LLC?
- Do you offer DSCR or portfolio loans if I hit agency limits?
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 UT license is confirmed with the state regulator (check mark), UT 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=investor&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.