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 August 27, 2026, the top 3 include KAREN NIELSON (Guild Mortgage Company LLC, NMLS #80226), William Farnsworth (Bank of Utah, NMLS #435310), and Brian Cooke (World Home Loans Inc, NMLS #17866).
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 | 34.6% |
| #2 | William Farnsworth | 435310 | Bank of Utah | 422914 | — | $11.1M | 27 | 69.2% |
| #2 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $10.9M | 27 | 64.3% |
| #4 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $7.9M | 26 | 47.3% |
| #4 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $9.8M | 26 | 38.2% |
| #6 | Jeremy Smith | 13496 | Strategic Home Mortgage Limited Liability Company | 2584640 | Heber City, UT | $7.7M | 25 | 69.4% |
| #7 | Christian Martinez | 277428 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $8.2M | 23 | 46.9% |
| #7 | Reagan Walker | 1455186 | First Colony Mortgage Corporation | 3112 | Orem, UT | $10.9M | 23 | 54.8% |
| #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 | 43.5% |
| #11 | Melissa Fuller | 265339 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $9.3M | 19 | 57.6% |
| #11 | Spencer Stott | 134614 | Unified Lending Inc. | 1721971 | South Jordan, UT | $6.5M | 19 | 57.6% |
| #11 | R Browning | 220892 | Sympli Mortgage of Utah, LLC | 2510464 | Draper, UT | $10.6M | 19 | 34.5% |
| #11 | Jena Flowers | 267246 | New American Funding, LLC | 6606 | Ogden, UT | $5.4M | 19 | 32.8% |
| #15 | Paul Margetts | 611760 | T2 Financial LLC | 1686046 | Westerville, OH | $8.2M | 18 | 32.7% |
| #15 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $4.9M | 18 | 26.5% |
| #17 | Deborah Castagno | 1465390 | Intercap Lending Inc. | 190465 | Tooele, UT | $5.2M | 16 | 61.5% |
| #17 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Orem, UT | $6.4M | 16 | 25.8% |
| #17 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $6.8M | 16 | 55.2% |
| #17 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $6.1M | 16 | 37.2% |
| #21 | Jennifer Huntsman | 314690 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $7.3M | 15 | 71.4% |
| #21 | Gary Stevens | 251021 | First Colony Mortgage Corporation | 3112 | Clearfield, UT | $5.2M | 15 | 50.0% |
| #21 | JEREMY FRANCOM | 274582 | First Colony Mortgage Corporation | 3112 | Orem, UT | $5.6M | 15 | 33.3% |
| #21 | Rebecca Staples | 912705 | SUN AMERICAN MORTGAGE COMPANY | 160265 | St George, UT | $4.5M | 15 | 23.1% |
| #25 | Alexis Carter | 913654 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $5.0M | 14 | 38.9% |
| #25 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $5.2M | 14 | 41.2% |
| #25 | Jenny Callaway | 1564372 | Bank of Utah | 422914 | Ogden, UT | $5.7M | 14 | 51.9% |
| #25 | Kimberly Hendry | 288635 | CMG Mortgage, Inc. | 1820 | Holladay, UT | $4.5M | 14 | 63.6% |
| #29 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $5.0M | 13 | 38.2% |
| #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 | ASHKHEN TANIELIAN | 252952 | SUNDANCE LENDING GROUP LLC | 1152546 | Sandy, UT | $4.8M | 13 | 81.3% |
| #29 | Paula De Santi Cotelo | 298109 | Veritas Funding, LLC | 252108 | Midvale, UT | $3.7M | 13 | 44.8% |
| #29 | Geni Townsend | 586941 | Goldenwest Federal Credit Union | 440574 | South Ogden, UT | $5.0M | 13 | 35.1% |
| #29 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $7.4M | 13 | 59.1% |
| #29 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $4.6M | 13 | 52.0% |
| #29 | Anthony Eriksson | 220552 | Guaranteed Rate, Inc. | 2611 | Sandy, UT | $5.2M | 13 | 61.9% |
| #29 | Lynnae Aguilar | 210683 | Guild Mortgage Company LLC | 3274 | Draper, UT | $4.4M | 13 | 23.6% |
| #29 | Shaun Russon | 1004093 | CrossCountry Mortgage, LLC | 3029 | St George, UT | $6.2M | 13 | 56.5% |
| #40 | Jerry Nielsen | 293652 | Gardner Financial Services, LTD. | 278675 | San Antonio, TX | $4.2M | 12 | 48.0% |
| #40 | Blake Bench | 203340 | First Colony Mortgage Corporation | 3112 | Orem, UT | $5.1M | 12 | 41.4% |
| #40 | Candice Register | 226775 | Lifetime Home Loans, LLC | 1861406 | Layton, UT | $4.6M | 12 | 36.4% |
| #40 | Kjell McCord | 832254 | Evergreen Mortgage LLC | 1303163 | Orem, UT | $4.2M | 12 | 60.0% |
| #40 | Justin Bancroft | 57402 | Community Lending Group, Inc. | 2727 | Riverton, UT | $6.1M | 12 | 85.7% |
| #40 | Brandon Hansen | 283559 | Guild Mortgage Company LLC | 3274 | Toquerville, UT | $8.7M | 12 | 38.7% |
| #40 | Steven Lundwall | 218185 | First Colony Mortgage Corporation | 3112 | Rogers, AR | $5.0M | 12 | 40.0% |
| #40 | Nicci Naccarato | 278379 | Utah Capital Mortgage, L.L.C. | 288937 | Sandy, UT | $4.1M | 12 | 54.5% |
| #40 | Austin Ingersoll | 1025119 | SecurityNational Mortgage Company | 3116 | Orem, UT | $4.6M | 12 | 22.6% |
| #49 | Russell Stephens | 234628 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $5.0M | 11 | 35.5% |
| #49 | Heidi Van Leeuwen - Snarr | 293784 | Innovative Mortgage Alliance LLC | 175407 | Draper, UT | $3.3M | 11 | 33.3% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2022
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