Borrower situations · Utah
Loan officers for self-employed borrowers in Utah
As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Utah whose lender pages show Self-employed work. The top-ranked are Brandon Hicken (Guild Mortgage, Heber City), Charles Toll (CrossCountry Mortgage, San Juan Capistrano) and Spencer Penrod (CrossCountry Mortgage, South Jordan). 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 16
- 1
Brandon HickenNMLS 2648301
Guild Mortgage · Heber City, UT · licensed in 2 states
- Self-employed
- First-time buyer
- HELOC
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Heber City, UT
- States 25 years of experience (lender page, 2026-10-09)
- 2
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 3
Spencer PenrodNMLS 2813809
CrossCountry Mortgage · South Jordan, UT
- Self-employed
- Jumbo loan
- Real estate investor
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in South Jordan, UT
- 4
Scott BuehlerNMLS 1794818
Guild Mortgage · St. George, UT · licensed in 5 states
- Self-employed
- Bank statement loan
- New construction
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in St. George, UT
- 5
Israel SanchezNMLS 2181978
Loan Factory · Mortgage broker · licensed in 5 states
- Self-employed
- Down payment assistance
- Real estate investor
- Bank statement loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- 6
Denise McManusNMLS 1982222
Xpert Home Lending · Mortgage broker · licensed in 5 states
- Self-employed
- Non-QM loan
- Real estate investor
- Asset-based qualifying
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 7
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Self-employed
- Down payment assistance
- First-time buyer
- Jumbo loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 17 years of experience (lender page, 2026-10-09)
- 8
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Self-employed
- Condo
- Down payment assistance
- FHA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 9
Tiff LeishmanNMLS 296065
Intercap Lending · South Ogden, UT
- Self-employed
- Construction loan
- VA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in South Ogden, UT
- States 10 years of experience (lender page, 2026-10-09)
- 10
Cody TealNMLS 65382
First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states
- Self-employed
- Construction loan
- First-time buyer
- Jumbo loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- 11
Manen PanNMLS 1006352
First Citizens Bank · Bank · Pasadena, CA · licensed in 32 states
- Self-employed
- Real estate investor
- Construction loan
- Down payment assistance
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- 12
Teyona StewartNMLS 2215853
First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states
- Self-employed
- First-time buyer
- Down payment assistance
- FHA loan
- UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- 13
Greg PotterNMLS 420791
JPMorgan Chase Bank (Chase Home Lending) · Bank · Cedar Hills, UT
- Self-employed
- Down payment assistance
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Cedar Hills, UT
- Licensed since 2023 (per Florida records)
- 14
Jose EstradaNMLS 1495268
JPMorgan Chase Bank (Chase Home Lending) · Bank · Holladay, UT
- Self-employed
- HELOC
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Holladay, UT
- 15
Chris DukeNMLS 102297
JPMorgan Chase Bank (Chase Home Lending) · Bank · Park City, UT
- Self-employed
- Vacation home
- FHA loan
- Jumbo loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Park City, UT
- 16
Jonathon HawkNMLS 1438198
JPMorgan Chase Bank (Chase Home Lending) · Bank · Orem, UT
- Self-employed
- Co-op
- Condo
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Orem, UT
Before you choose
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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 (licensed since, per the regulator records we hold) 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=self-employed&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.