{ "canonical_url": "https://lendb.ai/s/refinance/utah", "summary": "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.", "specialty": "refinance", "state": "UT", "total": 34, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 55, "loan_officer": { "nmls_id": 151298, "slug": "matthew-walker-151298", "full_name": "Matthew Walker", "canonical_url": "https://lendb.ai/lo/matthew-walker-151298", "json_url": "https://lendb.ai/lo/matthew-walker-151298.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "slug": "intercap-lending-190465", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2019/05/Matt-Walker-new-300x450.png", "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.intercaplending.com/loan-officer/matthew-walker/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Cottonwood Heights, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/matthew-walker-151298", "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": "2026-10-20", "source_url": "https://www.intercaplending.com/loan-officer/matthew-walker/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 51, "loan_officer": { "nmls_id": 474281, "slug": "camille-olson-474281", "full_name": "Camille Olson", "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "json_url": "https://lendb.ai/lo/camille-olson-474281.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/399b5a7cc06eecffd4ee216b35d93aab857d4c12.png", "licensed_states": [ "CO", "TX", "AL", "AZ", "GA", "ID", "MT", "NV", "OH", "OK", "UT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2014-07-10", "state": "TX" }, "licensed_since": { "year": 2014, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/colson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-19)", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 10, 2014 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "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": "2026-10-19", "source_url": "https://www.barrettfinancial.com/colson" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 50.3, "loan_officer": { "nmls_id": 1105429, "slug": "josh-vollmer-1105429", "full_name": "Josh Vollmer", "canonical_url": "https://lendb.ai/lo/josh-vollmer-1105429", "json_url": "https://lendb.ai/lo/josh-vollmer-1105429.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Layton", "state": "UT" }, "headshot_url": null, "licensed_states": [ "UT" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "reverse", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/josh-vollmer", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Layton, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/josh-vollmer-1105429", "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": "2026-10-20", "source_url": "https://www.apmortgage.com/josh-vollmer" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 47.5, "loan_officer": { "nmls_id": 2648301, "slug": "brandon-hicken-2648301", "full_name": "Brandon Hicken", "licensed_names": [ { "name": "Brandon Hicken", "name_with_middle_initial": "Brandon C. Hicken", "first_name": "Brandon", "middle_initial": "C", "last_name": "Hicken", "states": [ "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/brandon-hicken-2648301", "json_url": "https://lendb.ai/lo/brandon-hicken-2648301.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Heber City", "state": "UT" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/skbh-brandon-hicken.jpg", "licensed_states": [ "UT", "WY" ], "licenses": [ { "state": "UT", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-08-22", "state": "WY" }, "licensed_since": { "year": 2025, "state": "WY" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ut/hebercity/brandon-hicken-409-skbh.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Heber City, UT", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 22, 2025 (Wyoming), per state regulator" ], "canonical_url": "https://lendb.ai/lo/brandon-hicken-2648301", "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": "2026-10-20", "source_url": "https://branches.guildmortgage.com/ut/hebercity/brandon-hicken-409-skbh.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 47.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. Witter", "first_name": "Lindsay", "middle_initial": "R", "last_name": "Witter", "states": [ "AR", "CA", "CO", "CT", "FL", "IA", "LA", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "json_url": "https://lendb.ai/lo/lindsay-witter-700709.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CO", "CT", "TX", "LA", "AK", "AL", "AZ", "CA", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "ME", "MI", "MO", "MT", "NC", "ND", "NE", "NH", "NM", "NV", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "UT", "WA", "WI", "AR", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "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": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "dscr", "foreign-national", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "reverse", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-01-26", "state": "OR" }, "licensed_since": { "year": 2012, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lindsay-witter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 26, 2012 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "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": "2026-10-20", "source_url": "https://www.apmortgage.com/lindsay-witter" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 43.5, "loan_officer": { "nmls_id": 1025173, "slug": "benjamin-williams-1025173", "full_name": "Benjamin Williams", "licensed_names": [ { "name": "Benjamin Williams", "name_with_middle_initial": "Benjamin A. 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verify at NMLS)", "Earliest state license record: May 4, 2020 (California), per state regulator" ], "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/south-jordan-ut-4417/danielle-young/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 14, "score": 28.1, "loan_officer": { "nmls_id": 1692090, "slug": "cassandra-landers-1692090", "full_name": "Cassandra Landers", "licensed_names": [ { "name": "Cassandra Landers", "name_with_middle_initial": "Cassandra H. 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