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 October 11, 2026, the top 3 include KAREN NIELSON (Guild Mortgage Company LLC, NMLS #80226), Brian Cooke (World Home Loans Inc, NMLS #17866), and William Farnsworth (Bank of Utah, NMLS #435310).
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 | 34.3% |
| #2 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $10.9M | 27 | 64.3% |
| #2 | William Farnsworth | 435310 | Bank of Utah | 422914 | — | $11.1M | 27 | 69.2% |
| #4 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $9.8M | 26 | 38.8% |
| #5 | Jeremy Smith | 13496 | Strategic Home Mortgage Limited Liability Company | 2584640 | Heber City, UT | $7.7M | 25 | 71.4% |
| #5 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $7.7M | 25 | 46.3% |
| #7 | Reagan Walker | 1455186 | First Colony Mortgage Corporation | 3112 | Orem, UT | $10.9M | 23 | 54.8% |
| #7 | Christian Martinez | 277428 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $8.2M | 23 | 46.9% |
| #9 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $7.3M | 22 | 51.2% |
| #10 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $10.8M | 20 | 44.4% |
| #11 | R Browning | 220892 | Sympli Mortgage of Utah, LLC | 2510464 | Draper, UT | $10.6M | 19 | 34.5% |
| #11 | Melissa Fuller | 265339 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $9.3M | 19 | 57.6% |
| #11 | Jena Flowers | 267246 | New American Funding, LLC | 6606 | South Ogden, UT | $5.4M | 19 | 33.9% |
| #11 | Spencer Stott | 134614 | Unified Lending Inc. | 1721971 | South Jordan, UT | $6.5M | 19 | 57.6% |
| #15 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $4.9M | 18 | 26.5% |
| #15 | Paul Margetts | 611760 | T2 Financial LLC | 1686046 | Westerville, OH | $8.2M | 18 | 32.7% |
| #17 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $6.1M | 16 | 37.2% |
| #17 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Orem, UT | $6.4M | 16 | 25.8% |
| #17 | Deborah Castagno | 1465390 | Intercap Lending Inc. | 190465 | Tooele, UT | $5.2M | 16 | 61.5% |
| #17 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $6.8M | 16 | 55.2% |
| #21 | Gary Stevens | 251021 | First Colony Mortgage Corporation | 3112 | Clearfield, UT | $5.2M | 15 | 50.0% |
| #21 | Jennifer Huntsman | 314690 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $7.3M | 15 | 71.4% |
| #21 | Rebecca Staples | 912705 | SUN AMERICAN MORTGAGE COMPANY | 160265 | St George, UT | $4.5M | 15 | 22.7% |
| #21 | JEREMY FRANCOM | 274582 | First Colony Mortgage Corporation | 3112 | Orem, UT | $5.6M | 15 | 33.3% |
| #25 | Kimberly Hendry | 288635 | CMG Mortgage, Inc. | 1820 | Holladay, UT | $4.5M | 14 | 63.6% |
| #25 | Alexis Carter | 913654 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $5.0M | 14 | 38.9% |
| #25 | Jenny Callaway | 1564372 | Bank of Utah | 422914 | Ogden, UT | $5.7M | 14 | 51.9% |
| #25 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $5.2M | 14 | 41.2% |
| #29 | Geni Townsend | 586941 | Goldenwest Federal Credit Union | 440574 | South Ogden, UT | $5.0M | 13 | 35.1% |
| #29 | ASHKHEN TANIELIAN | 252952 | SUNDANCE LENDING GROUP LLC | 1152546 | Sandy, UT | $4.8M | 13 | 81.3% |
| #29 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $7.4M | 13 | 59.1% |
| #29 | Paula De Santi Cotelo | 298109 | Veritas Funding, LLC | 252108 | Midvale, UT | $3.7M | 13 | 44.8% |
| #29 | Anthony Eriksson | 220552 | Guaranteed Rate, Inc. | 2611 | Sandy, UT | $5.2M | 13 | 61.9% |
| #29 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $5.0M | 13 | 38.2% |
| #29 | Shaun Russon | 1004093 | CrossCountry Mortgage, LLC | 3029 | St George, UT | $6.2M | 13 | 56.5% |
| #29 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $4.6M | 13 | 52.0% |
| #29 | Lynnae Aguilar | 210683 | Guild Mortgage Company LLC | 3274 | Draper, UT | $4.4M | 13 | 24.1% |
| #29 | Jennifer Nielsen | 586915 | Bank of Utah | 422914 | Roy, UT | $4.9M | 13 | 43.3% |
| #29 | Heather Bollinger | 586149 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Millcreek, UT | $2.8M | 13 | 50.0% |
| #40 | Nicci Naccarato | 278379 | Utah Capital Mortgage, L.L.C. | 288937 | Sandy, UT | $4.1M | 12 | 54.5% |
| #40 | Jerry Nielsen | 293652 | Gardner Financial Services, LTD. | 278675 | San Antonio, TX | $4.2M | 12 | 48.0% |
| #40 | Justin Bancroft | 57402 | Community Lending Group, Inc. | 2727 | Riverton, UT | $6.1M | 12 | 85.7% |
| #40 | Blake Bench | 203340 | First Colony Mortgage Corporation | 3112 | Orem, UT | $5.1M | 12 | 41.4% |
| #40 | Austin Ingersoll | 1025119 | SecurityNational Mortgage Company | 3116 | Orem, UT | $4.6M | 12 | 22.6% |
| #40 | Candice Register | 226775 | Lifetime Home Loans, LLC | 1861406 | Layton, UT | $4.6M | 12 | 37.5% |
| #40 | Kjell McCord | 832254 | Evergreen Mortgage LLC | 1303163 | Orem, UT | $4.2M | 12 | 60.0% |
| #40 | Steven Lundwall | 218185 | First Colony Mortgage Corporation | 3112 | Rogers, AR | $5.0M | 12 | 40.0% |
| #40 | Brandon Hansen | 283559 | Guild Mortgage Company LLC | 3274 | Toquerville, UT | $8.7M | 12 | 38.7% |
| #49 | Danielle Young | 265241 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $5.0M | 11 | 21.6% |
| #49 | BRANDON SEARLE | 94000 | Utah Community Federal Credit Union | 407653 | Pleasant Grove, UT | $3.6M | 11 | 42.3% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2022
Powered by ChatMMI