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 July 13, 2026, the top 3 include KAREN NIELSON (Guild Mortgage Company LLC, NMLS #80226), TAYLOR RILEY (CANYON VIEW FEDERAL CREDIT UNION, NMLS #717475), and Marcus Truscott (Diversified Financial Services, Inc., NMLS #5979).
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 | 18.2% |
| #2 | TAYLOR RILEY | 717475 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Riverton, UT | $783K | 10 | 41.7% |
| #3 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $4.1M | 9 | 47.4% |
| #3 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $2.3M | 9 | 32.1% |
| #5 | SAMANTHA LAW | 1608775 | America First Federal Credit Union | 412819 | Riverdale, UT | $3.6M | 7 | 53.8% |
| #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% |
| #8 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $2.2M | 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 | Melissa Fuller | 265339 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $2.7M | 6 | 42.9% |
| #12 | ANDREA AGUILAR-ROMERO | 1606281 | Cyprus Federal Credit Union | 666254 | West Valley, UT | $531K | 5 | 41.7% |
| #12 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $2.7M | 5 | 27.8% |
| #12 | Melissa Jeppesen | 649312 | Elevate Federal Credit Union | 641663 | Brigham City, UT | $568K | 5 | 35.7% |
| #12 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $567K | 5 | 13.9% |
| #12 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $2.5M | 5 | 38.5% |
| #12 | Steven Carter | 1178666 | Intercap Lending Inc. | 190465 | Murray, UT | $2.4M | 5 | 38.5% |
| #12 | Tyson Hare | 1008232 | Intercap Lending Inc. | 190465 | Richfield, UT | $753K | 5 | 41.7% |
| #12 | Heather Bollinger | 586149 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Millcreek, UT | $611K | 5 | 41.7% |
| #12 | Brett Reynolds | 65531 | Guild Mortgage Company LLC | 3274 | Vernal, UT | $767K | 5 | 50.0% |
| #12 | Broch Lassig | 340314 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $4.2M | 5 | 21.7% |
| #12 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $218K | 5 | 9.1% |
| #12 | JANA TALBOT | 1804158 | America First Federal Credit Union | 412819 | Riverdale, UT | $379K | 5 | 13.5% |
| #12 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $595K | 5 | 11.6% |
| #25 | Rudy Lopez | 1445333 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $1.2M | 4 | 26.7% |
| #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 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $4.1M | 4 | 25.0% |
| #25 | Julie Crow | 274675 | First National Mortgage, LLC | 1754736 | Spanish Fork, UT | $1.1M | 4 | 28.6% |
| #25 | Jennifer Jones | 247020 | American Pacific Mortgage Corporation | 1850 | Layton, UT | $1.2M | 4 | 25.0% |
| #25 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $1.6M | 4 | 22.2% |
| #32 | Koleen Faddis | 486864 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $1.3M | 3 | 18.8% |
| #32 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Orem, UT | $583K | 3 | 14.3% |
| #32 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $1.3M | 3 | 21.4% |
| #32 | Anthony Eriksson | 220552 | CrossCountry Mortgage, LLC | 3029 | Pleasant Grove, UT | $1.0M | 3 | 27.3% |
| #32 | Brad Heaps | 214911 | Bank of Utah | 422914 | Ogden, UT | $1.5M | 3 | 25.0% |
| #32 | Donald Taylor | 486911 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | — | $218K | 3 | 25.0% |
| #32 | Keith Sargent | 273045 | American Pacific Mortgage Corporation | 1850 | Sandy, UT | $405K | 3 | 27.3% |
| #32 | Darrell Kessler | 193895 | HomeAmerican Mortgage Corporation | 130676 | Denver, CO | $1.6M | 3 | 21.4% |
| #32 | Candice Register | 226775 | Lifetime Home Loans, LLC | 1861406 | Layton, UT | $793K | 3 | 21.4% |
| #32 | Samuel Partridge | 23329 | CAPITAL ASSETS UTAH VALLEY, INC. | 3127 | Provo, UT | $997K | 3 | 27.3% |
| #32 | Amanda Landers | 351348 | CrossCountry Mortgage, LLC | 3029 | West Jordan, UT | $681K | 3 | 15.8% |
| #32 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $2.9M | 3 | 30.0% |
| #32 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $667K | 3 | 11.5% |
| #32 | Paige Yearsley | 1592768 | Goldenwest Federal Credit Union | 440574 | Washington Terrace, UT | $880K | 3 | 23.1% |
| #32 | Russell Wheelwright | 278120 | SecurityNational Mortgage Company | 3116 | Orem, UT | $811K | 3 | 15.0% |
| #32 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $1.0M | 3 | 27.3% |
| #32 | Devyn Gerber | 211359 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $432K | 3 | 15.8% |
| #32 | Jennifer Christiansen | 1587420 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.3M | 3 | 27.3% |
| #32 | Jennifer Melling | 586927 | Goldenwest Federal Credit Union | 440574 | Roy, UT | $815K | 3 | 21.4% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2023
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