Loan programs · Utah
Non-QM loan officers in Utah
As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Utah whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (Fairway Independent Mortgage Corporation, Wayne), Kris James (Intercap Lending, Cottonwood Heights) and Corey Merrill (Intercap Lending, Pleasant Grove). 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
Edwin SantiagoNMLS 133618
Fairway Independent Mortgage Corporation · Wayne, PA · licensed in 17 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 2
Kris JamesNMLS 900967
Intercap Lending · Cottonwood Heights, UT
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 13 years experience (stated on lender page, 2026-10-09)
- 3
Corey MerrillNMLS 748082
Intercap Lending · Pleasant Grove, UT
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan 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
- 4
Brent RoseNMLS 308611
Intercap Lending · Pleasant Grove, UT · licensed in 4 states
- Non-QM loan
- Bank statement loan
- Down payment assistance
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 14 years licensed
- 5
John GrahamNMLS 1973756
Intercap Lending · St. George, UT
- Non-QM loan
- FHA loan
- Reverse mortgage
- USDA loan
- Lists Non-QM loan 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
- 6
Tyler AndersonNMLS 315196
Intercap Lending · Cottonwood Heights, UT
- Non-QM loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists Non-QM loan 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
- 7
Denise McManusNMLS 1982222
Xpert Home Lending · licensed in 5 states
- Non-QM loan
- Real estate investor
- Self-employed
- Asset-based qualifying
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 8
Chad MayerNMLS 280921
Guild Mortgage · Scottsdale, AZ · licensed in 12 states
- Non-QM loan
- Bank statement loan
- DSCR loan
- First-time buyer
- Lists Non-QM loan 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
- 9
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Broch LassigNMLS 340314
CrossCountry Mortgage · South Jordan, UT · licensed in 16 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 5 years licensed
- 11
Hope OrtonNMLS 260618
Intercap Lending · St. George, UT · licensed in 8 states
- Non-QM loan
- First-time buyer
- Real estate investor
- Bank statement loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 4 years licensed
- 12
Karen NielsonNMLS 80226
Guild Mortgage · Logan, UT · licensed in 5 states
- Non-QM loan
- Bank statement loan
- Construction loan
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 3 years licensed
- 13
Ashlie RoeNMLS 639380
CrossCountry Mortgage · Eden, UT · licensed in 11 states
- Non-QM loan
- Real estate investor
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- Branch in Utah
- 0 years licensed
- 14
Shannon JohnsonNMLS 916249
Intercap Lending · Brigham City, UT · licensed in 4 states
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan 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
- 15
Shaun RussonNMLS 1004093
CrossCountry Mortgage · St. George, UT · licensed in 2 states
- Non-QM loan
- First-time buyer
- Lists Non-QM loan 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
- 16
Megan RyanNMLS 1694333
Intercap Lending · Cottonwood Heights, UT · licensed in 3 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan 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
- 17
Chloe McCombsNMLS 2012812
Intercap Lending · Salt Lake City, UT
- Non-QM loan
- First-time buyer
- Bank statement loan
- Down payment assistance
- Lists Non-QM loan 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
- 18
Sebastian DuarteNMLS 2550604
Intercap Lending · Pleasant Grove, UT
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan 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
- 19
Kassidy ScogganNMLS 1631389
Intercap Lending · Tooele, UT
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan 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
- 20
John CoatsNMLS 117281
Guild Mortgage · Scottsdale, AZ · licensed in 10 states
- Non-QM loan
- First-time buyer
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 21
Steve CoxNMLS 11381
CrossCountry Mortgage · Boise, ID · licensed in 10 states
- Non-QM loan
- Reverse mortgage
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 22
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 36 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 23
Andy PriceNMLS 175742
Price Mortgage · licensed in 27 states
- Non-QM loan
- Low credit score
- Lists Non-QM loan 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
- 24
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in UT (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 25
Eric SimonsonNMLS 282307
Intercap Lending · Cottonwood Heights, UT
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan 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
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- Which non-QM investors do you work with?
- Why does my situation need non-QM rather than an agency loan?
- Is there a prepayment penalty, and can I refinance later?
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=non-qm&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.