---
canonical_url: https://lendb.ai/s/self-employed/utah
last_verified: 2026-10-09
---

# Loan officers for self-employed borrowers in Utah

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.

## Ranked, with reasons

1. **[Brandon Hicken](https://lendb.ai/lo/brandon-hicken-2648301)** (NMLS 2648301), Guild Mortgage, Heber City, UT
   - 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)
2. **[Tiff Leishman](https://lendb.ai/lo/tiff-leishman-296065)** (NMLS 296065), Intercap Lending, South Ogden, UT
   - 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)
3. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA
   - 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)
4. **[Spencer Penrod](https://lendb.ai/lo/spencer-penrod-2813809)** (NMLS 2813809), CrossCountry Mortgage, South Jordan, UT
   - 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)
5. **[Scott Buehler](https://lendb.ai/lo/scott-buehler-1794818)** (NMLS 1794818), Guild Mortgage, St. George, UT
   - 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)
6. **[Denise McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending
   - 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)
7. **[Israel Sanchez](https://lendb.ai/lo/israel-sanchez-2181978)** (NMLS 2181978), Loan Factory
   - 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)
8. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA
   - 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 2016 (per Colorado records)
9. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - 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)
10. **[Greg Potter](https://lendb.ai/lo/greg-potter-420791)** (NMLS 420791), JPMorgan Chase Bank (Chase Home Lending), Cedar Hills, UT
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Cedar Hills, UT
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Licensed since 2023 (per Florida records)
11. **[Jose Estrada](https://lendb.ai/lo/jose-estrada-1495268)** (NMLS 1495268), JPMorgan Chase Bank (Chase Home Lending), Holladay, UT
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Holladay, UT
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
12. **[Chris Duke](https://lendb.ai/lo/chris-duke-102297)** (NMLS 102297), JPMorgan Chase Bank (Chase Home Lending), Park City, UT
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Park City, UT
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
13. **[Jonathon Hawk](https://lendb.ai/lo/jonathon-hawk-1438198)** (NMLS 1438198), JPMorgan Chase Bank (Chase Home Lending), Orem, UT
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Orem, UT
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
14. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - 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)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/self-employed/utah.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._