Retention champions 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 August 27, 2026, the top 3 include KAREN NIELSON (Guild Mortgage Company LLC, NMLS #80226), TAYLOR RILEY (CANYON VIEW FEDERAL CREDIT UNION, NMLS #717475), and Dennis Hendricks (Intercap Lending Inc., NMLS #90634).
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 | $4.1M | 12 | 18.5% |
| #2 | TAYLOR RILEY | 717475 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Riverton, UT | $783K | 10 | 41.7% |
| #3 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $2.3M | 9 | 32.1% |
| #3 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $4.1M | 9 | 47.4% |
| #5 | Deborah Castagno | 1465390 | Intercap Lending Inc. | 190465 | Tooele, UT | $2.5M | 7 | 53.8% |
| #5 | Allen Hua | 281312 | Community Lending Group, Inc. | 2727 | Riverton, UT | $761K | 7 | 53.8% |
| #5 | SAMANTHA LAW | 1608775 | America First Federal Credit Union | 412819 | Riverdale, UT | $3.6M | 7 | 53.8% |
| #8 | Melissa Fuller | 265339 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $2.7M | 6 | 42.9% |
| #8 | Paula De Santi Cotelo | 298109 | Veritas Funding, LLC | 252108 | Midvale, UT | $1.6M | 6 | 42.9% |
| #8 | Russell Piggott | 611753 | Bank of Utah | 422914 | Logan, UT | $4.8M | 6 | 50.0% |
| #8 | Steven Carter | 1178666 | Intercap Lending Inc. | 190465 | Murray, UT | $3.1M | 6 | 42.9% |
| #8 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $2.2M | 6 | 42.9% |
| #13 | Broch Lassig | 340314 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $4.2M | 5 | 22.7% |
| #13 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $2.5M | 5 | 38.5% |
| #13 | Brett Reynolds | 65531 | Guild Mortgage Company LLC | 3274 | Vernal, UT | $767K | 5 | 50.0% |
| #13 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $595K | 5 | 11.6% |
| #13 | Heather Bollinger | 586149 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Millcreek, UT | $611K | 5 | 41.7% |
| #13 | Melissa Jeppesen | 649312 | Elevate Federal Credit Union | 641663 | Brigham City, UT | $568K | 5 | 35.7% |
| #13 | ANDREA AGUILAR-ROMERO | 1606281 | Cyprus Federal Credit Union | 666254 | West Valley, UT | $531K | 5 | 41.7% |
| #13 | Tyson Hare | 1008232 | Intercap Lending Inc. | 190465 | Richfield, UT | $753K | 5 | 41.7% |
| #13 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $2.7M | 5 | 27.8% |
| #13 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $567K | 5 | 13.9% |
| #13 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $218K | 5 | 8.9% |
| #13 | JANA TALBOT | 1804158 | America First Federal Credit Union | 412819 | Riverdale, UT | $379K | 5 | 13.5% |
| #25 | Jennifer Jones | 247020 | American Pacific Mortgage Corporation | 1850 | Layton, UT | $1.2M | 4 | 25.0% |
| #25 | Kara Steel | 1542167 | loanDepot.com, LLC | 174457 | Cottonwood Heights, UT | $1.0M | 4 | 33.3% |
| #25 | ALLAN RHODES | 690426 | Direct Rate, LLC | 2320473 | San Antonio, TX | $452K | 4 | 40.0% |
| #25 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $1.6M | 4 | 22.2% |
| #25 | Rudy Lopez | 1445333 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $1.2M | 4 | 26.7% |
| #25 | Julie Crow | 274675 | First National Mortgage, LLC | 1754736 | Spanish Fork, UT | $1.1M | 4 | 28.6% |
| #31 | Jason Willett | 1444387 | Open Door Mortgage LLC | 2658823 | Saint George, UT | $937K | 3 | 25.0% |
| #31 | Candice Register | 226775 | Lifetime Home Loans, LLC | 1861406 | Layton, UT | $793K | 3 | 23.1% |
| #31 | Koleen Faddis | 486864 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $1.3M | 3 | 18.8% |
| #31 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $1.0M | 3 | 27.3% |
| #31 | Jeffrey Titus | 199565 | Fairway Independent Mortgage Corporation | 2289 | Kaysville, UT | $1.4M | 3 | 20.0% |
| #31 | Anthony Eriksson | 220552 | Guaranteed Rate, Inc. | 2611 | Sandy, UT | $1.0M | 3 | 27.3% |
| #31 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $1.2M | 3 | 12.5% |
| #31 | Keith Sargent | 273045 | American Pacific Mortgage Corporation | 1850 | Sandy, UT | $405K | 3 | 27.3% |
| #31 | Russell Wheelwright | 278120 | SecurityNational Mortgage Company | 3116 | Orem, UT | $811K | 3 | 15.0% |
| #31 | Samuel Partridge | 23329 | CAPITAL ASSETS UTAH VALLEY, INC. | 3127 | Provo, UT | $997K | 3 | 27.3% |
| #31 | Julie Campbell | 299573 | Intercap Lending Inc. | 190465 | Brigham City, UT | $591K | 3 | 17.6% |
| #31 | Allison Bills | 305235 | Intercap Lending Inc. | 190465 | Murray, UT | $1.4M | 3 | 27.3% |
| #31 | Paige Yearsley | 1592768 | Goldenwest Federal Credit Union | 440574 | Washington Terrace, UT | $880K | 3 | 23.1% |
| #31 | Justin Molyneux | 97186 | CCJMSC HOLDINGS, LLC | 1494 | Logan, UT | $721K | 3 | 20.0% |
| #31 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $3.5M | 3 | 20.0% |
| #31 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Orem, UT | $583K | 3 | 14.3% |
| #31 | Devyn Gerber | 211359 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $432K | 3 | 15.8% |
| #31 | Darrell Kessler | 193895 | HomeAmerican Mortgage Corporation | 130676 | Denver, CO | $1.6M | 3 | 21.4% |
| #31 | Joshua Graves | 1672702 | Rockwell Mortgage LLC | 2413381 | South Jordan, UT | $1.1M | 3 | 20.0% |
| #31 | Donald Taylor | 486911 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | — | $218K | 3 | 25.0% |
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 (2023). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2023
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