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Borrower situations · Utah

Loan officers for borrowers with low credit scores in Utah

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Utah whose lender pages show Low credit score work. The top-ranked are James Hirst (American Pacific Mortgage, Layton), Andy Price (Price Mortgage) and Israel Sanchez (Loan Factory). 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 3

  1. 1

    James HirstNMLS 880547

    American Pacific Mortgage · Layton, UT · licensed in 3 states

    • Low credit score
    • First-time buyer
    • Lists Low credit score 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
  2. 2

    Andy PriceNMLS 175742

    Price Mortgage · Mortgage broker · licensed in 27 states

    • Low credit score
    • Non-QM loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Israel SanchezNMLS 2181978

    Loan Factory · Mortgage broker · licensed in 5 states

    • Low credit score
    • Down payment assistance
    • Real estate investor
    • Self-employed
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Lender overlays often exceed program minimums, so finding a lender that lends to the actual program floor matters.

  • What is your actual minimum score for this program?
  • Can you help me with a rapid rescore?
  • How much will my score affect my rate and mortgage insurance?

More about Low credit score

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=low-credit&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.