Top loan officers in Utah in 2024, 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 Melissa Meads (America First Federal Credit Union, NMLS #1316806), Rochelle Terzo (America First Federal Credit Union, NMLS #1710932), and Jessica Pendleton (America First Federal Credit Union, NMLS #991557).
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 | 2024 Volume | 2024 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $40.1M | 492 | $82K |
| #2 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $34.1M | 386 | $88K |
| #3 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $27.6M | 328 | $84K |
| #4 | KAREN NIELSON | 80226 | Guild Mortgage Company LLC | 3274 | Logan, UT | $112.4M | 325 | $346K |
| #5 | JANA TALBOT | 1804158 | America First Federal Credit Union | 412819 | Riverdale, UT | $24.7M | 319 | $77K |
| #6 | LEEANN GUISINGER | 1930932 | America First Federal Credit Union | 412819 | Riverdale, UT | $22.5M | 264 | $85K |
| #7 | Megan Manning | 717408 | America First Federal Credit Union | 412819 | Layton, UT | $26.5M | 257 | $103K |
| #8 | R Browning | 220892 | Sympli Mortgage LLC | 2510464 | Draper, UT | $103.3M | 245 | $422K |
| #9 | Julio Villalobos | 313049 | Xpert Home Lending Inc. | 2179191 | Braselton, GA | $58.6M | 239 | $245K |
| #10 | ANDREA AGUILAR-ROMERO | 1606281 | Cyprus Federal Credit Union | 666254 | West Valley, UT | $22.6M | 233 | $97K |
| #11 | Metta Sengsouvanna | 2225711 | Mountain America Federal Credit Union | 462815 | — | $27.6M | 232 | $119K |
| #12 | Paula De Santi Cotelo | 298109 | Veritas Funding, LLC | 252108 | Midvale, UT | $62.2M | 230 | $270K |
| #13 | Darrell Kessler | 193895 | HomeAmerican Mortgage Corporation | 130676 | Denver, CO | $120.4M | 227 | $530K |
| #14 | Michael Wright | 432298 | Cyprus Federal Credit Union | 666254 | West Jordan, UT | $21.8M | 219 | $99K |
| #15 | Danielle Young | 265241 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $101.8M | 208 | $489K |
| #16 | JUNIOR RIOS | 1649885 | America First Federal Credit Union | 412819 | Ogden, UT | $22.9M | 206 | $111K |
| #17 | Mitchell Larsen | 2002510 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $76.9M | 204 | $377K |
| #18 | LUIS MORENO | 920734 | Omni-Fund, Inc. | 4869 | — | $64.9M | 203 | $320K |
| #19 | Alexis Jara | 1828841 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $79.2M | 201 | $394K |
| #20 | Rebecca Staples | 912705 | SUN AMERICAN MORTGAGE COMPANY | 160265 | St George, UT | $75.5M | 199 | $379K |
| #21 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $97.0M | 190 | $511K |
| #22 | THERESA ROBBINS | 2010447 | Mountain America Federal Credit Union | 462815 | Millcreek, UT | $21.8M | 180 | $121K |
| #22 | Juan Andrade | 1067612 | First Colony Mortgage Corporation | 3112 | Sandy, UT | $70.4M | 180 | $391K |
| #22 | Isabelle Sellers | 764322 | Cyprus Federal Credit Union | 666254 | West Jordan, UT | $17.1M | 180 | $95K |
| #25 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $75.2M | 177 | $425K |
| #26 | Laura Clevenger | 1117192 | Cyprus Federal Credit Union | 666254 | — | $17.5M | 173 | $101K |
| #27 | Zinnia Bozo | 1995111 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $19.5M | 172 | $114K |
| #27 | Arin Talbert | 1851060 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $22.1M | 172 | $128K |
| #29 | Joseph Harry | 1899141 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $62.4M | 167 | $373K |
| #30 | Jenny Pierce | 1452789 | DHI MORTGAGE COMPANY, LTD. | 14622 | Lehi, UT | $62.6M | 165 | $380K |
| #31 | Mason Deaton | 2109245 | Deseret First Federal Credit Union | 403075 | West Valley City, UT | $18.7M | 163 | $114K |
| #32 | Taegan Alvernaz | 1807958 | Mountain America Federal Credit Union | 462815 | American Fork, UT | $15.2M | 159 | $95K |
| #33 | Ryan Bruno | 1909189 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $16.7M | 157 | $106K |
| #34 | JEREMY FRANCOM | 274582 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $71.8M | 156 | $460K |
| #34 | Peri Douglass | 2316486 | Mountain America Federal Credit Union | 462815 | — | $19.7M | 156 | $126K |
| #36 | Lisa Graehl | 1886707 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $16.7M | 152 | $110K |
| #36 | Sharla Ellis | 209040 | Fairway Independent Mortgage Corporation | 2289 | Salt Lake City, UT | $74.6M | 152 | $491K |
| #38 | Amanda Cosman | 1470573 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $14.8M | 151 | $98K |
| #38 | Vanessa Goldberg | 1757652 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $19.8M | 151 | $131K |
| #40 | Kyle Costa | 1426490 | Mountain America Federal Credit Union | 462815 | Provo, UT | $17.5M | 147 | $119K |
| #41 | Ana Powell | 2413889 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $14.5M | 144 | $101K |
| #41 | Matthew Barrett | 258528 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $69.0M | 144 | $479K |
| #43 | Zlata Rahimic | 1108386 | America First Federal Credit Union | 412819 | Riverdale, UT | $14.3M | 143 | $100K |
| #44 | Jenna Sheehan | 2174878 | Mountain America Federal Credit Union | 462815 | — | $15.2M | 142 | $107K |
| #45 | TAYLOR RILEY | 717475 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Riverton, UT | $30.9M | 139 | $223K |
| #45 | Cindy Pleasant | 695250 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $13.7M | 139 | $98K |
| #47 | BROOKE MORENO | 717744 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $17.6M | 138 | $128K |
| #48 | Brandon Hansen | 283559 | Guild Mortgage Company LLC | 3274 | Toquerville, UT | $80.1M | 137 | $585K |
| #49 | Bryce Gibson | 1931414 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $16.7M | 136 | $123K |
| #49 | Miles Pitcher | 103819 | Superior Lending Associates, L.C. | 3152 | Orem, UT | $72.4M | 136 | $532K |
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 (2024). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-overall-by-units/2024
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