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Loan programs · Utah

Renovation loan officers in Utah

As of 2026-10-09, LenDb lists 41 loan officers licensed in or based in Utah whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Kris James (Intercap Lending, Cottonwood Heights), Bill Gaylord (Guild Mortgage, Henderson) and Kathy Gray (Guild Mortgage, St. George). 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. 1

    Kris JamesNMLS 900967

    Intercap Lending · Cottonwood Heights, UT

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) 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)
  2. 2

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • DSCR loan
    • FHA loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Kathy GrayNMLS 238911

    Guild Mortgage · St. George, UT · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Reverse mortgage
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) 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. 4

    Trudi HatchNMLS 139284

    Guild Mortgage · Tremonton, UT · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • New construction
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • 27 years experience (stated on lender page, 2026-10-09)
  5. 5

    Corey MerrillNMLS 748082

    Intercap Lending · Pleasant Grove, UT

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) 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. 6

    Bailee BeckNMLS 2675681

    Intercap Lending · Pleasant Grove, UT

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) 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. 7

    Mike MolinaNMLS 230545

    Intercap Lending · Cottonwood Heights, UT · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • Branch in Utah
    • 19 years experience (stated on lender page, 2026-10-09)
  8. 8

    Tyler AndersonNMLS 315196

    Intercap Lending · Cottonwood Heights, UT

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Reverse mortgage
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) 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
  9. 9

    Brent RoseNMLS 308611

    Intercap Lending · Pleasant Grove, UT · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) 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
  10. 10

    Tracey MayNMLS 361738

    Loan Factory · Utah · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • Construction loan
    • Lists Renovation loan (203k / HomeStyle) 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
  11. 11

    Gregory James BrooksNMLS 151145

    Guild Mortgage · San Diego, CA · licensed in 9 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Manufactured home
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Matthew BrownNMLS 1254520

    Loan Factory · Austin, TX · licensed in 28 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • HELOC
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Todd NunisNMLS 134294

    Guild Mortgage · Colleyville, TX · licensed in 32 states

    • Renovation loan (203k / HomeStyle)
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Hope OrtonNMLS 260618

    Intercap Lending · St. George, UT · licensed in 8 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Real estate investor
    • Bank statement loan
    • Lists Renovation loan (203k / HomeStyle) 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
  15. 15

    Shay HansenNMLS 652794

    American Pacific Mortgage · Layton, UT · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) 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
  16. 16

    Christina ClarkNMLS 413597

    Guild Mortgage · Scottsdale, AZ · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) 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
  17. 17

    Bob VoellerNMLS 131644

    CrossCountry Mortgage · Cottonwood Heights, UT

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) 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. 18

    Shannon JohnsonNMLS 916249

    Intercap Lending · Brigham City, UT · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) 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. 19

    Megan RyanNMLS 1694333

    Intercap Lending · Cottonwood Heights, UT · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • Lists Renovation loan (203k / HomeStyle) 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. 20

    Jaritzy RodriguezNMLS 1820092

    Intercap Lending · Salt Lake City, UT

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) 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
  21. 21

    Chloe McCombsNMLS 2012812

    Intercap Lending · Salt Lake City, UT

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Bank statement loan
    • Down payment assistance
    • Lists Renovation loan (203k / HomeStyle) 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
  22. 22

    Jim ReedNMLS 1034823

    CrossCountry Mortgage · Houston, TX · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in UT (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Sebastian DuarteNMLS 2550604

    Intercap Lending · Pleasant Grove, UT

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) 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
  24. 24

    Shawn DurantNMLS 221971

    American Pacific Mortgage · Roseville, CA · licensed in 45 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) 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. 25

    Eric SimonsonNMLS 282307

    Intercap Lending · Cottonwood Heights, UT

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) 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

Contractor bids, consultants, draw schedules and as-completed appraisals add steps many loan officers avoid.

  • How many renovation loans have you closed, and which programs?
  • How do contractor draws and inspections work?
  • What happens if the renovation runs over budget?

More about Renovation loan (203k / HomeStyle)

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=renovation&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.