Retention champions in Utah in 2022, 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 KAREN NIELSON (Guild Mortgage Company LLC, NMLS #80226), Brian Cooke (World Home Loans Inc, NMLS #17866), and Sonnet Mouritsen (Guild Mortgage Company LLC, NMLS #293023).
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 | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | KAREN NIELSON | 80226 | Guild Mortgage Company LLC | 3274 | Logan, UT | $14.4M | 47 | 34.8% |
| #2 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $10.9M | 27 | 65.9% |
| #3 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $9.8M | 26 | 38.2% |
| #3 | William Farnsworth | 435310 | Bank of Utah | 422914 | — | $10.9M | 26 | 68.4% |
| #3 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $7.9M | 26 | 47.3% |
| #6 | Jeremy Smith | 13496 | Strategic Home Mortgage Limited Liability Company | 2584640 | Heber City, UT | $7.7M | 25 | 71.4% |
| #7 | Christian Martinez | 277428 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $8.2M | 23 | 46.9% |
| #8 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $7.3M | 22 | 51.2% |
| #8 | Reagan Walker | 1455186 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $10.4M | 22 | 56.4% |
| #10 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $10.8M | 20 | 43.5% |
| #11 | Jena Flowers | 267246 | New American Funding, LLC | 6606 | Holladay, UT | $5.4M | 19 | 33.9% |
| #11 | Spencer Stott | 134614 | Unified Lending Inc. | 1721971 | South Jordan, UT | $6.5M | 19 | 57.6% |
| #11 | Melissa Fuller | 265339 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $9.3M | 19 | 57.6% |
| #14 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $4.9M | 18 | 26.9% |
| #14 | Paul Margetts | 611760 | T2 Financial LLC | 1686046 | Westerville, OH | $8.2M | 18 | 32.7% |
| #14 | R Browning | 220892 | Sympli Mortgage LLC | 2510464 | Draper, UT | $10.4M | 18 | 34.0% |
| #17 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $6.4M | 16 | 26.2% |
| #17 | Deborah Castagno | 1465390 | Intercap Lending Inc. | 190465 | Tooele, UT | $5.2M | 16 | 61.5% |
| #17 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $6.1M | 16 | 36.4% |
| #17 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $6.8M | 16 | 55.2% |
| #21 | JEREMY FRANCOM | 274582 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $5.6M | 15 | 33.3% |
| #21 | Rebecca Staples | 912705 | SUN AMERICAN MORTGAGE COMPANY | 160265 | St George, UT | $4.5M | 15 | 22.7% |
| #21 | Jennifer Huntsman | 314690 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $7.3M | 15 | 71.4% |
| #24 | Gary Stevens | 251021 | First Colony Mortgage Corporation | 3112 | Clearfield, UT | $4.9M | 14 | 50.0% |
| #24 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $5.2M | 14 | 41.2% |
| #24 | Kimberly Hendry | 288635 | CMG Mortgage, Inc. | 1820 | Holladay, UT | $4.5M | 14 | 63.6% |
| #24 | Jenny Callaway | 1564372 | Bank of Utah | 422914 | Ogden, UT | $5.7M | 14 | 51.9% |
| #24 | Alexis Carter | 913654 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $5.0M | 14 | 40.0% |
| #29 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $4.6M | 13 | 52.0% |
| #29 | ASHKHEN TANIELIAN | 252952 | SUNDANCE LENDING GROUP LLC | 1152546 | Sandy, UT | $4.8M | 13 | 81.3% |
| #29 | Geni Townsend | 586941 | Goldenwest Federal Credit Union | 440574 | South Ogden, UT | $5.0M | 13 | 35.1% |
| #29 | Paula De Santi Cotelo | 298109 | Veritas Funding, LLC | 252108 | Midvale, UT | $3.7M | 13 | 44.8% |
| #29 | Shaun Russon | 1004093 | CrossCountry Mortgage, LLC | 3029 | St George, UT | $6.2M | 13 | 56.5% |
| #29 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $7.4M | 13 | 59.1% |
| #29 | Lynnae Aguilar | 210683 | Guild Mortgage Company LLC | 3274 | Draper, UT | $4.4M | 13 | 25.0% |
| #29 | Heather Bollinger | 586149 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Millcreek, UT | $2.8M | 13 | 50.0% |
| #29 | Jennifer Nielsen | 586915 | Bank of Utah | 422914 | Roy, UT | $4.9M | 13 | 43.3% |
| #29 | Anthony Eriksson | 220552 | CrossCountry Mortgage, LLC | 3029 | Pleasant Grove, UT | $5.2M | 13 | 59.1% |
| #39 | Austin Ingersoll | 1025119 | SecurityNational Mortgage Company | 3116 | Orem, UT | $4.6M | 12 | 24.5% |
| #39 | Candice Register | 226775 | Lifetime Home Loans, LLC | 1861406 | Layton, UT | $4.6M | 12 | 36.4% |
| #39 | Justin Bancroft | 57402 | Community Lending Group, Inc. | 2727 | Riverton, UT | $6.1M | 12 | 85.7% |
| #39 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $4.6M | 12 | 36.4% |
| #39 | Nicci Naccarato | 278379 | Utah Capital Mortgage, L.L.C. | 288937 | Sandy, UT | $4.1M | 12 | 60.0% |
| #39 | Brandon Hansen | 283559 | Guild Mortgage Company LLC | 3274 | Toquerville, UT | $8.7M | 12 | 38.7% |
| #39 | Jerry Nielsen | 293652 | Gardner Financial Services, LTD. | 278675 | San Antonio, TX | $4.2M | 12 | 48.0% |
| #39 | Steven Lundwall | 218185 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $5.0M | 12 | 40.0% |
| #39 | Kjell McCord | 832254 | C & E Financial Group, Inc. | 287106 | Orem, UT | $4.2M | 12 | 60.0% |
| #48 | Russell Stephens | 234628 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $5.0M | 11 | 36.7% |
| #48 | Brandon Smith | 954607 | Utah Community Federal Credit Union | 407653 | Spanish Fork, UT | $3.6M | 11 | 61.1% |
| #48 | BRANDON SEARLE | 94000 | Utah Community Federal Credit Union | 407653 | Pleasant Grove, UT | $3.6M | 11 | 44.0% |
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. Retention Champions by Loan Count — Utah (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2022
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