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Your Local CrossCountry Mortgage Loan Officer

Spencer Penrod

  • Outside Loan Originator
  • Pleasant Grove, UT Mortgage Loan Officer
  • NMLS # 2813809

I’ll be with you every step of the way

Hello! My name is Spencer Penrod, and I’m a loan officer dedicated to helping homebuyers and homeowners achieve their goals with support from America’s #1 Retail Mortgage Lender.

I enjoy helping people purchase homes, especially those with complex income situations. I specialize in self-employed borrowers, entrepreneurs, jumbo loans, investment properties and bridge financing.

My background in underwriting and processing alternative documentation loans allows me to ask the right questions upfront and help ensure a smooth loan process. Clients and referral partners appreciate my attention to detail, proactive communication and commitment to keeping everyone informed every step of the way.

Outside of work, I enjoy exploring the Utah mountains with my wife and two daughters, reading, biking and family movie nights. Giving back to the community is important to our family, and we regularly support local charities and service projects.

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