{ "canonical_url": "https://lendb.ai/s/jumbo/utah", "summary": "As of 2026-10-09, LenDb lists 54 loan officers licensed in or based in Utah whose lender pages show Jumbo loan work. The top-ranked are Danielle Young (CrossCountry Mortgage, South Jordan), Iris Legaspi (First Citizens Bank, San Diego) and Fernando Perez (CrossCountry Mortgage, 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": "jumbo", "state": "UT", "total": 54, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 54.8, "loan_officer": { "nmls_id": 265241, "slug": "danielle-young-265241", "full_name": "Danielle Young", "canonical_url": "https://lendb.ai/lo/danielle-young-265241", "json_url": "https://lendb.ai/lo/danielle-young-265241.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "South Jordan", "state": "UT" }, "licensed_states": [ "AZ", "CA", "ID", "MT", "NV", "OR", "UT", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "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": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-4417/danielle-young/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in South Jordan, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/danielle-young-265241", "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/south-jordan-ut-4417/danielle-young/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 54.3, "loan_officer": { "nmls_id": 690505, "slug": "iris-legaspi-690505", "full_name": "Iris Legaspi", "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "UT", "VA", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "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" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "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://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 53.3, "loan_officer": { "nmls_id": 1385005, "slug": "fernando-perez-1385005", "full_name": "Fernando Perez", "canonical_url": "https://lendb.ai/lo/fernando-perez-1385005", "json_url": "https://lendb.ai/lo/fernando-perez-1385005.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": "dscr", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 9, "lender_profile_url": "https://crosscountrymortgage.com/cottonwood-heights-ut-4364/fernando-perez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)", "States 9 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/fernando-perez-1385005", "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/fernando-perez/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 52.8, "loan_officer": { "nmls_id": 295609, "slug": "kevin-rowe-295609", "full_name": "Kevin Rowe", "canonical_url": "https://lendb.ai/lo/kevin-rowe-295609", "json_url": "https://lendb.ai/lo/kevin-rowe-295609.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Draper", "state": "UT" }, "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ut/draper/kevin-rowe-670-hpkro.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Draper, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kevin-rowe-295609", "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://branches.guildmortgage.com/ut/draper/kevin-rowe-670-hpkro.html" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 52.8, "loan_officer": { "nmls_id": 2813809, "slug": "spencer-penrod-2813809", "full_name": "Spencer Penrod", "canonical_url": "https://lendb.ai/lo/spencer-penrod-2813809", "json_url": "https://lendb.ai/lo/spencer-penrod-2813809.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "South Jordan", "state": "UT" }, "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in South Jordan, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/spencer-penrod-2813809", "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/south-jordan-ut-5240/spencer-penrod/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 1043739, "slug": "sarena-talbert-1043739", "full_name": "Sarena Talbert", "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739", "json_url": "https://lendb.ai/lo/sarena-talbert-1043739.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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 2023 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739", "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/newport-beach-ca-8067/sarena-talbert/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 1260521, "slug": "matthew-shiner-1260521", "full_name": "Matt Shiner", "canonical_url": "https://lendb.ai/lo/matthew-shiner-1260521", "json_url": "https://lendb.ai/lo/matthew-shiner-1260521.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "NM", "SD", "TX", "UT" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://nfmlending.com/loanoriginator/matt-shiner/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)" ], "canonical_url": "https://lendb.ai/lo/matthew-shiner-1260521", "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://nfmlending.com/loanoriginator/matt-shiner/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.3, "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": "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, "licensed_since": null, "years_experience": 13, "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)", "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": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 50.8, "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", "type": "imb" }, "branch": { "city": "San Juan Capistrano", "state": "CA" }, "licensed_states": [ "FL", "CA", "HI", "MT", "OR", "TN", "TX", "UT", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "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": "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, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-3175/rajat-jetley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "UT listed on their lender page (not yet checked with the state regulator; 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