Spencer Stott, Mortgage Professional
NMLS #: 134614

Mortgage Professional -- Team Stott Lending

Get to know Spencer Stott

I take pride in my reputation as an honest, straight-forward professional, and I know that you need to hear the truth about your loan – not a lot of hype. I can promise you that your questions are listened to and your will get straight answers. I not only strive to do the best for my clients, but also go the extra mile to make sure they get the service they deserve.

Personal Besides spending time with my wife and family I enjoy fly-fishing, golfing, traveling and running. Avid sports fan, especially when it comes to the Utah Jazz and the University of Utah. Community Active member of my church and spend many weekly hours serving in this capacity Leader of a local Boy Scouts of America troop and enjoy helping young boys fulfill their full potential as they grow into adulthood. Education Earned my bachelors of Science degree from the University of Utah in business/consumer studies. Earned the highest level of licensing as a mortgage lender with a PLM (Principle Lending Manager) license. Fluent in the German Language.


Spencer Stott's Blog Posts


In regards to my professional life, I enjoy helping people achieve their mortgage financing goals and getting exactly what they want. Customer service is at the top of my list. Although we live in an ever changing real estate industry, I take pride in keeping myself educated and updated on any changes or major market shifts. First time home buyers are some of my favorite clients to work with, as i have consistently held a successful first time home buyer seminar on a monthly basis for the last six years.

Testimonials for Spencer Stott

  • Lena Dibble

    “The Spencer Stott Lending team was a pleasure to work with. The team kept me updated on progress throughout the loan process, and made sure the details were taken care of. They’re all pleasant, quick to respond to questions, and made the process a smooth one. Plus, their costs were very competitive. I don’t want to move again anytime soon, but I’d be happy to work with them again! Thanks again for your work!”

  • Kayla Maxwell

    “My experience with Spencer Stott, Carter Campbell, and the rest of the Essex Mortgage team has been a great one. I’ve heard horror stories about buying a home for the first time, and largely due to this team, I didn’t have to go through any of that. The process was incredibly smooth and I was able to get into my new home on the predetermined closing date with no problems. I’d highly recommend this team to anyone buying a home.”

  • Jane Johnson

    “The professionalism of the Spencer Stott Lending Team made the refinancing of our home simple and easy! Carter quickly answered any questions and gave us timely information on the status of our loan throughout the lending process. Though I have purchased or refinanced homes several times, I have never had the process go so quickly and smoothly.”

  • Kevin and Tiffany Nebeker

    “We have worked with Spencer Stott as our loan officer a total of 3 times now and we can honestly say he is by far the best loan officer we have had the pleasure and privilege of working with. Our experience with loan officers and mortgage lenders ,in general, have always come up short, but Spencer has definitely changed our outlook and is the reason we keep coming back for more. Spencer is more than flexible, very organized, extremely efficient, and most importantly knowledgeable about the industry in which he works and its always changing rules and regulations. We first worked with Spencer in Utah a few years back but this deal soon fell through when we moved to Arizona. However, though we were out of state Spencer still worked diligently with us and our area loan officer directly to ensure that we were kept in the loop at all times and that we were always fully aware of what we were actually signing. The process was smooth and seamless, and we closed with hardly any effort on our part- Spencer was there the entire step of the way which made for an overall positive experience. I was thoroughly impressed with Spencer’s dedication and efforts on our behalf and would highly recommend him to anyone who is looking to refinance or buy a new home.”

  • Scott and Janet Muhn

    “Our experience with Spencer Stott and his team was quite positive and we would recommend this team to anyone seeking to refinance or purchase. We refinanced with a VA loan. Although I imagine the process is similar for other loans. They made the process about as painless as possible.”

  • Adam Weston

    “I would like to give Spencer my highest recommendation. I am a Realtor who was working with clients who had some very special needs in order to buy their first home. Spencer had quite a challenge on his hands and I think most other loan officers would have given-up but Spencer would not give-up and together with his creativity and hard work; Spencer was able to get their loan through & help my clients get their home. I am so thankful to Spencer for his integrity, his persistence and his hard work because I never could have done it without him; he’s the greatest!!”

  • Katherine Kenner

    “I wanted to say that Spencer and his team made the process of refinancing my home extremely painless. From the quick way they responded to my inquiry to the frequent updates during the loan process. Thank you for your professionalism.”

  • Richard Scott

    “We recently refinanced our house and chose to work with Essex Mortgage and the Spencer Stott Lending Team. From the start of the application process to the funding of the loan, everyone on the team was courteous, professional, responsive and competent. They did what they said they would do in the time they committed to do it. I never had to chase them for information or the status of the loan. They initiated regular updates that assured me that everything was on track and they always followed-up. They were flexible and worked with us to craft the terms of our refinance to best meet our needs. They also did everything they could to minimize the cost of the loan which was a pleasant surprise. I would recommend Spencer and his team to anyone considering financing or refinancing their home.”

  • Jennifer Sevey

    "My husband and I used Spencer to help us refinance our house which we had been trying to do for many years. Spencer helped us get through the process quickly and was always very helpful and could answer any and all questions we had. Anytime I would call Spencer and leave a message I always heard back from him the same day or the next morning. Spencer made our refinance one of the best experiences we have had."

  • Rob and Britta Hanel

    “Spencer Stott of Essex Mortgage was referred to us by our Real Estate Agent, Brad Ashby. As first time home buyers, what I liked most about Spencer was that we only had to meet at his office one time, and before that meeting he had all the preliminary paperwork submitted and approved, the rest was handled smoothly via phone, fax, and email. Spencer was flexible with our schedules and was proactive in making things happen in an extremely efficient manner. If anything slowed down the processing of paperwork, we wouldn’t know, because he handled practically everything, making the process of acquiring a home mortgage as stress free as it could possibly be. The next time we met with Spencer was to sign the closing papers. Very personable, excellent communication with detailed follow up, we would recommended Spencer Stott and Essex Mortgage to anyone, especially first time home buyers.”

    Service Areas (6)
    • Salt Lake City, UT
    • Bountiful, UT
    • Cottonwood Heights, UT
    • Draper, UT
    • Alpine, UT
    • Provo, UT
    • Ogden, UT
    Languages (2)
    • English
    • German