Top loan officers in Utah in 2023, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Rochelle Terzo (America First Federal Credit Union, NMLS #1710932), Jessica Pendleton (America First Federal Credit Union, NMLS #991557), and Melissa Meads (America First Federal Credit Union, NMLS #1316806).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | 2023 Volume | 2023 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $36.0M | 527 | $68K |
| #2 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $32.3M | 449 | $72K |
| #3 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $32.4M | 444 | $73K |
| #4 | JANA TALBOT | 1804158 | America First Federal Credit Union | 412819 | Riverdale, UT | $27.9M | 402 | $69K |
| #5 | NIMSHI FERNANDO | 1581142 | America First Federal Credit Union | 412819 | — | $26.8M | 320 | $84K |
| #6 | LEEANN GUISINGER | 1930932 | America First Federal Credit Union | 412819 | Riverdale, UT | $22.0M | 290 | $76K |
| #7 | Megan Manning | 717408 | America First Federal Credit Union | 412819 | Layton, UT | $20.0M | 249 | $80K |
| #8 | KAREN NIELSON | 80226 | Guild Mortgage Company LLC | 3274 | Logan, UT | $85.9M | 246 | $349K |
| #9 | Joseph Harry | 1899141 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $86.1M | 233 | $370K |
| #10 | ANDREA AGUILAR-ROMERO | 1606281 | Cyprus Federal Credit Union | 666254 | West Valley, UT | $18.3M | 232 | $79K |
| #10 | Michael Wright | 432298 | Cyprus Federal Credit Union | 666254 | West Jordan, UT | $19.7M | 232 | $85K |
| #12 | Fernando Perez | 1385005 | CrossCountry Mortgage, LLC | 3029 | Cottonwood Heights, UT | $85.9M | 225 | $382K |
| #13 | Mitchell Larsen | 2002510 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $82.5M | 216 | $382K |
| #14 | Mandra Carter | 1551445 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $24.3M | 207 | $118K |
| #15 | R Browning | 220892 | Sympli Mortgage LLC | 2510464 | Draper, UT | $84.7M | 206 | $411K |
| #16 | Zinnia Bozo | 1995111 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $20.8M | 205 | $102K |
| #17 | LUIS MORENO | 920734 | Omni-Fund, Inc. | 4869 | — | $59.9M | 191 | $314K |
| #18 | Kari Bostick | 2221833 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $17.3M | 190 | $91K |
| #19 | Robert Keates | 1385001 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $20.4M | 186 | $110K |
| #20 | Julio Villalobos | 313049 | Xpert Home Lending Inc. | 2179191 | Braselton, GA | $45.7M | 176 | $260K |
| #21 | Lisa Graehl | 1886707 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $19.5M | 175 | $111K |
| #22 | Isabelle Sellers | 764322 | Cyprus Federal Credit Union | 666254 | West Jordan, UT | $13.0M | 173 | $75K |
| #22 | Katie Bennion | 1381762 | Mountain America Federal Credit Union | 462815 | — | $15.6M | 173 | $90K |
| #24 | Ana Powell | 2413889 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $18.6M | 171 | $109K |
| #25 | Rebecca Staples | 912705 | SUN AMERICAN MORTGAGE COMPANY | 160265 | St George, UT | $67.9M | 170 | $399K |
| #25 | Laura Clevenger | 1117192 | Cyprus Federal Credit Union | 666254 | — | $13.3M | 170 | $78K |
| #25 | Vanessa Goldberg | 1757652 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $18.1M | 170 | $106K |
| #28 | Heather Sacco | 998793 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $17.3M | 168 | $103K |
| #29 | THERESA ROBBINS | 2010447 | Mountain America Federal Credit Union | 462815 | Millcreek, UT | $16.5M | 167 | $99K |
| #29 | Alexis Jara | 1828841 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $60.3M | 167 | $361K |
| #31 | Darrell Kessler | 193895 | HomeAmerican Mortgage Corporation | 130676 | Denver, CO | $81.6M | 165 | $494K |
| #31 | Lauren Swoboda | 1793705 | Mountain America Federal Credit Union | 462815 | — | $16.6M | 165 | $101K |
| #33 | Cody Christensen | 2029230 | Mountain America Federal Credit Union | 462815 | South Jordan, UT | $18.3M | 164 | $111K |
| #33 | Marylee Gilchrist | 242466 | CrossCountry Mortgage, LLC | 3029 | Cottonwood Heights, UT | $74.3M | 164 | $453K |
| #35 | Matthew Barrett | 258528 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $60.2M | 163 | $369K |
| #36 | Ryan Bruno | 1909189 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $16.5M | 162 | $102K |
| #36 | Mason Deaton | 2109245 | Deseret First Federal Credit Union | 403075 | West Valley City, UT | $15.7M | 162 | $97K |
| #38 | Justin Holguin | 2062580 | Mountain America Federal Credit Union | 462815 | — | $16.3M | 160 | $102K |
| #38 | Baylee Cahoon | 2413888 | Mountain America Federal Credit Union | 462815 | — | $16.7M | 160 | $104K |
| #38 | Bryce Gibson | 1931414 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $16.8M | 160 | $105K |
| #41 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $80.6M | 159 | $507K |
| #42 | Danessa Peterson | 1960399 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $15.5M | 158 | $98K |
| #43 | Tanner Thompson | 1944382 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $17.0M | 157 | $108K |
| #44 | Michelle Dalton | 2179887 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $17.9M | 156 | $115K |
| #45 | Matt Robinson | 2212126 | Mountain America Federal Credit Union | 462815 | — | $16.2M | 153 | $106K |
| #46 | Peri Haas | 2120340 | Mountain America Federal Credit Union | 462815 | — | $17.0M | 147 | $116K |
| #47 | Jamie Cooke | 2016901 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $57.5M | 146 | $394K |
| #47 | Kevin Tan | 2006196 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $16.6M | 146 | $113K |
| #47 | Brandon Mower | 1716073 | Priority Home Mortgage, L.P. | 311939 | Austin, TX | $51.2M | 146 | $351K |
| #47 | BROOKE MORENO | 717744 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $14.2M | 146 | $97K |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Top Mortgage Loan Officers by Loan Count — Utah (2023). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-overall-by-units/2023
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