--- canonical_url: https://lendb.ai/s/refinance/utah last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Matthew Walker](https://lendb.ai/lo/matthew-walker-151298)** (NMLS 151298), Intercap Lending, Cottonwood Heights, UT - 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) 2. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - 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 3. **[Josh Vollmer](https://lendb.ai/lo/josh-vollmer-1105429)** (NMLS 1105429), American Pacific Mortgage, Layton, UT - 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) 4. **[Brandon Hicken](https://lendb.ai/lo/brandon-hicken-2648301)** (NMLS 2648301), Guild Mortgage, Heber City, UT - 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 5. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - 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 6. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 4, 2013 (Oregon), per state regulator 7. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - 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: July 27, 2010 (California), per state regulator 8. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 9. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 10. **[Marylee Gilchrist](https://lendb.ai/lo/marylee-gilchrist-242466)** (NMLS 242466), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (Colorado), per state regulator - States 41 years of experience (lender page, 2026-10-22) 11. **[Sarah Lathrop](https://lendb.ai/lo/sarah-lathrop-1611631)** (NMLS 1611631), Mortgage Solutions of Colorado, LLC, Colorado Springs, CO - Lists Refinance on lender page (lender page, verified 2026-10-21) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 4, 2018 (Colorado), per state regulator 12. **[Kody Condie](https://lendb.ai/lo/kody-condie-1742865)** (NMLS 1742865), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 18, 2019 (Colorado), per state regulator 13. **[Danielle Young](https://lendb.ai/lo/danielle-young-265241)** (NMLS 265241), CrossCountry Mortgage, South Jordan, UT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in South Jordan, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 4, 2020 (California), per state regulator 14. **[Cassandra Landers](https://lendb.ai/lo/cassandra-landers-1692090)** (NMLS 1692090), CrossCountry Mortgage, West Jordan, UT - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in West Jordan, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 17, 2023 (Wyoming), per state regulator 15. **[Ed Frankel](https://lendb.ai/lo/ed-frankel-180468)** (NMLS 180468), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 21, 2025 (Oregon), per state regulator - States 25 years of experience (lender page, 2026-10-26) 16. **[Marty Muniz](https://lendb.ai/lo/marty-muniz-226971)** (NMLS 226971), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Alexis Turner](https://lendb.ai/lo/alexis-turner-1097777)** (NMLS 1097777), CrossCountry Mortgage, South Jordan, UT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in South Jordan, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 20, 2026 (Florida), per state regulator 18. **[Kirstie Cunningham](https://lendb.ai/lo/kirstie-cunningham-2081527)** (NMLS 2081527), CrossCountry Mortgage, Eden, UT - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Eden, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 20. **[Jason Baum](https://lendb.ai/lo/jason-baum-1526390)** (NMLS 1526390), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Bruce O'Kronley](https://lendb.ai/lo/bruce-o-kronley-30743)** (NMLS 30743), CrossCountry Mortgage, Southfield, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 18, 2008 (Illinois), per state regulator 22. **[David D'Onofrio](https://lendb.ai/lo/david-donofrio-254023)** (NMLS 254023), CrossCountry Mortgage, Walnut Creek, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 10, 2011 (California), per state regulator 23. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2012 (Florida), per state regulator 24. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-21) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 5, 2016 (California), per state regulator 25. **[Mark Galbraith](https://lendb.ai/lo/mark-galbraith-172614)** (NMLS 172614), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-21) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 23, 2018 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/utah. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._