---
canonical_url: https://lendb.ai/s/low-credit/utah
last_verified: 2026-10-11
---

# Loan officers for borrowers with low credit scores in Utah

As of 2026-10-11, LenDb lists 2 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) and Kira Stirling (Edge Home Finance). 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. **[James Hirst](https://lendb.ai/lo/james-hirst-880547)** (NMLS 880547), American Pacific Mortgage, Layton, UT
   - Lists Low credit score 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)
2. **[Kira Stirling](https://lendb.ai/lo/kira-stirling-2109444)** (NMLS 2109444), Edge Home Finance
   - Lists Low credit score on lender page (lender page, verified 2026-10-11)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/low-credit/utah.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._