{ "canonical_url": "https://lendb.ai/s/investor/utah", "summary": "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.", "specialty": "investor", "state": "UT", "total": 31, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.3, "loan_officer": { "nmls_id": 230545, "slug": "mike-molina-230545", "full_name": "Mike Molina", "canonical_url": "https://lendb.ai/lo/mike-molina-230545", "json_url": "https://lendb.ai/lo/mike-molina-230545.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "licensed_states": [ "AZ", "CA", "MT", "NV", "UT", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 19, "lender_profile_url": "https://www.intercaplending.com/loan-officer/mike-molina/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mike-molina-230545", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/mike-molina/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 60.8, "loan_officer": { "nmls_id": 290852, "slug": "jessica-phair-290852", "full_name": "Jessica Phair", "canonical_url": "https://lendb.ai/lo/jessica-phair-290852", "json_url": "https://lendb.ai/lo/jessica-phair-290852.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "licensed_states": [ "CA", "ID", "NV", "OR", "UT" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.intercaplending.com/loan-officer/jessica-phair/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jessica-phair-290852", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/jessica-phair/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.3, "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", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 13, "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kris-james-900967", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/kris-james/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 56.8, "loan_officer": { "nmls_id": 639380, "slug": "ashlie-roe-639380", "full_name": "Ashlie Roe", "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380", "json_url": "https://lendb.ai/lo/ashlie-roe-639380.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Eden", "state": "UT" }, "licensed_states": [ "FL", "CA", "CO", "ID", "MT", "NV", "OR", "TX", "UT", "WA", "WY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/eden-ut-3606/ashlie-roe/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)" ], "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/eden-ut-3606/ashlie-roe/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 55.8, "loan_officer": { "nmls_id": 260636, "slug": "andrea-roylance-260636", "full_name": "Andrea Roylance", "canonical_url": "https://lendb.ai/lo/andrea-roylance-260636", "json_url": "https://lendb.ai/lo/andrea-roylance-260636.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Farmington", "state": "UT" }, "licensed_states": [ "CA", "TX", "UT" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://www.intercaplending.com/loan-officer/andrea-roylance/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Farmington, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/andrea-roylance-260636", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/andrea-roylance/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 55.8, "loan_officer": { "nmls_id": 942929, "slug": "cesar-pardo-942929", "full_name": "Cesar Pardo", "canonical_url": "https://lendb.ai/lo/cesar-pardo-942929", "json_url": "https://lendb.ai/lo/cesar-pardo-942929.json", "lender": { "nmls_id": 1686046, "name": "Revolution Mortgage", "canonical_url": "https://lendb.ai/lender/revolution-mortgage-1686046", "type": "imb" }, "branch": { "city": "Puyallup", "state": "WA" }, "licensed_states": [ "AZ", "CA", "CO", "FL", "NC", "NM", "NV", "OH", "OR", "SC", "TX", "UT", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 12, "lender_profile_url": "https://www.revolutionmortgage.com/loan-officer/942929", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)", "States 12 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cesar-pardo-942929", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.revolutionmortgage.com/loan-officer/942929" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 55.8, "loan_officer": { "nmls_id": 1832068, "slug": "tyler-rowland-1832068", "full_name": "Tyler Rowland", "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068", "json_url": "https://lendb.ai/lo/tyler-rowland-1832068.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Cedar City", "state": "UT" }, "licensed_states": [ "CO", "CA", "ID", "NV", "UT", "WY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "CO" }, "years_experience": 6, "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)" ], "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 288158, "slug": "leesa-millham-288158", "full_name": "Leesa Millham", "canonical_url": "https://lendb.ai/lo/leesa-millham-288158", "json_url": "https://lendb.ai/lo/leesa-millham-288158.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/cottonwood-heights-ut-4364/leesa-millham/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/leesa-millham-288158", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/cottonwood-heights-ut-4364/leesa-millham/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.8, "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", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 4, "lender_profile_url": "https://www.intercaplending.com/loan-officer/corey-merrill/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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 4 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/corey-merrill-748082", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/corey-merrill/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 53.8, "loan_officer": { "nmls_id": 1783114, "slug": "charles-toll-1783114", "full_name": "Charles Toll", "canonical_url": "https://lendb.ai/lo/charles-toll-1783114", "json_url": "https://lendb.ai/lo/charles-toll-1783114.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Juan Capistrano", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "HI", "IL", "IN", "MT", "NM", "NV", "OR", "TN", "TX", "UT", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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 2018 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/charles-toll-1783114", "license_check": { "state": "UT", "confidence": "lender_reported", "eligible": true, "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 52.8, "loan_officer": { "nmls_id": 309670, "slug": "chantry-abbott-309670", "full_name": "Chantry Abbott", "canonical_url": "https://lendb.ai/lo/chantry-abbott-309670", "json_url": "https://lendb.ai/lo/chantry-abbott-309670.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "St. George", "state": "UT" }, "licensed_states": [ "AL", "AZ", "CA", "ID", "NV", "OK", "UT", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/chantry-abbott-521-sgcab.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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; 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