{
  "canonical_url": "https://lendb.ai/s/renovation/utah",
  "summary": "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.",
  "specialty": "renovation",
  "state": "UT",
  "total": 41,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56,
      "loan_officer": {
        "nmls_id": 900967,
        "slug": "kris-james-900967",
        "full_name": "Kris James",
        "canonical_url": "https://lendb.ai/lo/kris-james-900967",
        "json_url": "https://lendb.ai/lo/kris-james-900967.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kris-james-900967"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 680603,
        "slug": "bill-gaylord-680603",
        "full_name": "Bill Gaylord",
        "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603",
        "json_url": "https://lendb.ai/lo/bill-gaylord-680603.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "NV",
          "UT",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/bill-gaylord-483-vgbg.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603"
    },
    {
      "rank": 3,
      "score": 51,
      "loan_officer": {
        "nmls_id": 238911,
        "slug": "kathy-gray-238911",
        "full_name": "Kathy Gray",
        "canonical_url": "https://lendb.ai/lo/kathy-gray-238911",
        "json_url": "https://lendb.ai/lo/kathy-gray-238911.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "CA",
          "UT"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/kathy-gray-238911"
    },
    {
      "rank": 4,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 139284,
        "slug": "trudi-hatch-139284",
        "full_name": "Trudi Hatch",
        "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284",
        "json_url": "https://lendb.ai/lo/trudi-hatch-139284.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Tremonton",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/tremonton/trudi-hatch-883-hptha.html"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 748082,
        "slug": "corey-merrill-748082",
        "full_name": "Corey Merrill",
        "canonical_url": "https://lendb.ai/lo/corey-merrill-748082",
        "json_url": "https://lendb.ai/lo/corey-merrill-748082.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/corey-merrill/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/corey-merrill-748082"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2675681,
        "slug": "bailee-beck-2675681",
        "full_name": "Bailee Beck",
        "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681",
        "json_url": "https://lendb.ai/lo/bailee-beck-2675681.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/bailee-beck/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681"
    },
    {
      "rank": 7,
      "score": 50.4,
      "loan_officer": {
        "nmls_id": 230545,
        "slug": "mike-molina-230545",
        "full_name": "Mike Molina",
        "canonical_url": "https://lendb.ai/lo/mike-molina-230545",
        "json_url": "https://lendb.ai/lo/mike-molina-230545.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "MT",
          "NV",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 19,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/mike-molina/"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/mike-molina-230545"
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 315196,
        "slug": "tyler-anderson-315196",
        "full_name": "Tyler Anderson",
        "canonical_url": "https://lendb.ai/lo/tyler-anderson-315196",
        "json_url": "https://lendb.ai/lo/tyler-anderson-315196.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-anderson/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-anderson-315196"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 308611,
        "slug": "brent-rose-308611",
        "full_name": "Brent Rose",
        "canonical_url": "https://lendb.ai/lo/brent-rose-308611",
        "json_url": "https://lendb.ai/lo/brent-rose-308611.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "TX",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/brent-rose-lo/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brent-rose-308611"
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 361738,
        "slug": "tracey-may-361738",
        "full_name": "Tracey May",
        "canonical_url": "https://lendb.ai/lo/tracey-may-361738",
        "json_url": "https://lendb.ai/lo/tracey-may-361738.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tracey-may-361738"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-may-361738"
    },
    {
      "rank": 11,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 151145,
        "slug": "gregory-brooks-151145",
        "full_name": "Gregory James Brooks",
        "canonical_url": "https://lendb.ai/lo/gregory-brooks-151145",
        "json_url": "https://lendb.ai/lo/gregory-brooks-151145.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "KS",
          "MO",
          "OR",
          "TX",
          "UT",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 39,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-brooks-151145"
    },
    {
      "rank": 12,
      "score": 47,
      "loan_officer": {
        "nmls_id": 1254520,
        "slug": "matthew-brown-1254520",
        "full_name": "Matthew Brown",
        "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
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}