{
  "canonical_url": "https://lendb.ai/s/self-employed/utah",
  "summary": "As of 2026-10-09, LenDb lists 14 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), Tiff Leishman (Intercap Lending, South Ogden) and Charles Toll (CrossCountry Mortgage, San Juan Capistrano). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "self-employed",
  "state": "UT",
  "total": 14,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 2648301,
        "slug": "brandon-hicken-2648301",
        "full_name": "Brandon Hicken",
        "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",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Heber City",
          "state": "UT"
        },
        "licensed_states": [
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/hebercity/brandon-hicken-409-skbh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Heber City, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "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": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ut/hebercity/brandon-hicken-409-skbh.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 296065,
        "slug": "tiff-leishman-296065",
        "full_name": "Tiff Leishman",
        "canonical_url": "https://lendb.ai/lo/tiff-leishman-296065",
        "json_url": "https://lendb.ai/lo/tiff-leishman-296065.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "South Ogden",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tiff-leishman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in South Ogden, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tiff-leishman-296065",
      "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": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/tiff-leishman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1783114,
        "slug": "charles-toll-1783114",
        "full_name": "Charles Toll",
        "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
        "json_url": "https://lendb.ai/lo/charles-toll-1783114.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MT",
          "NM",
          "NV",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
      "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": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 2813809,
        "slug": "spencer-penrod-2813809",
        "full_name": "Spencer Penrod",
        "canonical_url": "https://lendb.ai/lo/spencer-penrod-2813809",
        "json_url": "https://lendb.ai/lo/spencer-penrod-2813809.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "South Jordan",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in South Jordan, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/spencer-penrod-2813809",
      "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": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/south-jordan-ut-5240/spencer-penrod/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1794818,
        "slug": "scott-buehler-1794818",
        "full_name": "Scott Buehler",
        "canonical_url": "https://lendb.ai/lo/scott-buehler-1794818",
        "json_url": "https://lendb.ai/lo/scott-buehler-1794818.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": [
          "AZ",
          "CA",
          "NV",
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/scott-buehler-521-sgwbu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in St. George, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-buehler-1794818",
      "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": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ut/stgeorge/scott-buehler-521-sgwbu.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1982222,
        "slug": "denise-mcmanus-1982222",
        "full_name": "Denise McManus",
        "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222",
        "json_url": "https://lendb.ai/lo/denise-mcmanus-1982222.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "MI",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/denise-mcmanus",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222",
      "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": "2026-10-09",
        "source_url": "https://xperthomelending.com/loan-directory/denise-mcmanus"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 2181978,
        "slug": "israel-sanchez-2181978",
        "full_name": "Israel Sanchez",
        "canonical_url": "https://lendb.ai/lo/israel-sanchez-2181978",
        "json_url": "https://lendb.ai/lo/israel-sanchez-2181978.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA",
          "NE",
          "NV",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/israel-sanchez-2181978",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/israel-sanchez-2181978",
      "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": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/israel-sanchez-2181978"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 46,
      "loan_officer": {
        "nmls_id": 700709,
        "slug": "lindsay-witter-700709",
        "full_name": "Lindsay Witter",
        "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",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "licensed_states": [
          "CO",
          "AK",
          "AL",
          "AZ",
          "CA",
          "CT",
          "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",
          "TX",
          "UT",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "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"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/teal-cody",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/cody-teal-65382",
      "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": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/teal-cody"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    }
  ]
}