Borrower situations · Utah
Loan officers for homeowners who are refinancing in Utah
As of 2026-10-26, LenDb lists 34 loan officers licensed in or based in Utah whose lender pages show Refinance work. The top-ranked are Matthew Walker (Intercap Lending, Cottonwood Heights), Camille Olson (Barrett Financial Group, Chandler) and Josh Vollmer (American Pacific Mortgage, Layton). 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
Matthew WalkerNMLS 151298
Intercap Lending · Cottonwood Heights, UT
- Refinance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Cottonwood Heights, UT
- 2
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Refinance
- Down payment assistance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-19)
- Earliest state license record: July 10, 2014 (Texas), per state regulator
- 3
Josh VollmerNMLS 1105429
American Pacific Mortgage · Layton, UT
- Refinance
- FHA loan
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Layton, UT
- 4
Brandon HickenNMLS 2648301
Guild Mortgage · Heber City, UT · licensed in 2 states
- Refinance
- First-time buyer
- HELOC
- Self-employed
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Heber City, UT
- Earliest state license record: August 22, 2025 (Wyoming), per state regulator
- 5
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 6
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 7
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 27, 2010 (California), per state regulator
- 8
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 9
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 10
Marylee GilchristNMLS 242466
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 11 states
- Refinance
- VA loan
- FHA loan
- HELOC
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Cottonwood Heights, UT
- Earliest state license record: July 17, 2012 (Colorado), per state regulator
- States 41 years of experience (lender page, 2026-10-22)
- 11
Sarah LathropNMLS 1611631
Mortgage Solutions of Colorado, LLC · Colorado Springs, CO · licensed in 9 states
- Refinance
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: January 4, 2018 (Colorado), per state regulator
- 12
Kody CondieNMLS 1742865
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 4 states
- Refinance
- Down payment assistance
- Non-QM loan
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Cottonwood Heights, UT
- Earliest state license record: November 18, 2019 (Colorado), per state regulator
- 13
Danielle YoungNMLS 265241
CrossCountry Mortgage · South Jordan, UT · licensed in 8 states
- Refinance
- New construction
- Construction loan
- Jumbo loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in South Jordan, UT
- Earliest state license record: May 4, 2020 (California), per state regulator
- 14
Cassandra LandersNMLS 1692090
CrossCountry Mortgage · West Jordan, UT · licensed in 2 states
- Refinance
- HELOC
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in West Jordan, UT
- Earliest state license record: February 17, 2023 (Wyoming), per state regulator
- 15
Ed FrankelNMLS 180468
CrossCountry Mortgage · Cleveland, OH · licensed in 6 states
- Refinance
- Reverse mortgage
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 21, 2025 (Oregon), per state regulator
- States 25 years of experience (lender page, 2026-10-26)
- 16
Marty MunizNMLS 226971
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 3 states
- Refinance
- Jumbo loan
- VA loan
- FHA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Cottonwood Heights, UT
- 17
Alexis TurnerNMLS 1097777
CrossCountry Mortgage · South Jordan, UT · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in South Jordan, UT
- Earliest state license record: March 20, 2026 (Florida), per state regulator
- 18
Kirstie CunninghamNMLS 2081527
CrossCountry Mortgage · Eden, UT · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Eden, UT
- 19
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 34 states
- Refinance
- Jumbo loan
- Non-QM loan
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: July 14, 2007 (Colorado), per state regulator
- 20
Jason BaumNMLS 1526390
CrossCountry Mortgage · Cottonwood Heights, UT
- Refinance
- FHA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Cottonwood Heights, UT
- 21
Bruce O'KronleyNMLS 30743
CrossCountry Mortgage · Southfield, MI · licensed in 30 states
- Refinance
- FHA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 18, 2008 (Illinois), per state regulator
- 22
David D'OnofrioNMLS 254023
CrossCountry Mortgage · Walnut Creek, CA · licensed in 26 states
- Refinance
- FHA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 10, 2011 (California), per state regulator
- 23
Daniel McDermottNMLS 430030
CrossCountry Mortgage · Montvale, NJ · licensed in 27 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 9, 2012 (Florida), per state regulator
- 24
Joseph CostanzoNMLS 1408507
CrossCountry Mortgage · Cleveland, OH · licensed in 21 states
- Refinance
- VA loan
- FHA loan
- HELOC
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: February 5, 2016 (California), per state regulator
- 25
Mark GalbraithNMLS 172614
CrossCountry Mortgage · Henderson, NV · licensed in 6 states
- Refinance
- VA loan
- FHA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: August 23, 2018 (Florida), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a UT license is confirmed with the state regulator (check mark), UT is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.