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 October 11, 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% |
| #2 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $2.5M | 10 | 34.5% |
| #4 | 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 | SAMANTHA LAW | 1608775 | America First Federal Credit Union | 412819 | Riverdale, UT | $3.6M | 7 | 53.8% |
| #5 | Allen Hua | 281312 | Community Lending Group, Inc. | 2727 | Riverton, UT | $761K | 7 | 53.8% |
| #8 | Paula De Santi Cotelo | 298109 | Veritas Funding, LLC | 252108 | Midvale, UT | $1.6M | 6 | 42.9% |
| #8 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $2.2M | 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 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $218K | 5 | 8.9% |
| #12 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $567K | 5 | 13.5% |
| #12 | Heather Bollinger | 586149 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Millcreek, UT | $611K | 5 | 41.7% |
| #12 | Broch Lassig | 340314 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $4.2M | 5 | 21.7% |
| #12 | JANA TALBOT | 1804158 | America First Federal Credit Union | 412819 | Riverdale, UT | $379K | 5 | 13.5% |
| #12 | Tyson Hare | 1008232 | Intercap Lending Inc. | 190465 | Richfield, UT | $753K | 5 | 41.7% |
| #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 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $595K | 5 | 11.6% |
| #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 | Brett Reynolds | 65531 | Guild Mortgage Company LLC | 3274 | Vernal, UT | $767K | 5 | 50.0% |
| #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% |
| #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 | 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 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $1.6M | 4 | 22.2% |
| #32 | Paige Yearsley | 1592768 | Goldenwest Federal Credit Union | 440574 | Washington Terrace, UT | $880K | 3 | 23.1% |
| #32 | Allison Bills | 305235 | Intercap Lending Inc. | 190465 | Murray, UT | $1.4M | 3 | 27.3% |
| #32 | Devyn Gerber | 211359 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $432K | 3 | 15.8% |
| #32 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $1.3M | 3 | 21.4% |
| #32 | Julie Campbell | 299573 | Intercap Lending Inc. | 190465 | Brigham City, UT | $591K | 3 | 17.6% |
| #32 | Anthony Eriksson | 220552 | Guaranteed Rate, Inc. | 2611 | Sandy, UT | $1.0M | 3 | 27.3% |
| #32 | Jeffrey Titus | 199565 | Fairway Independent Mortgage Corporation | 2289 | Kaysville, UT | $1.4M | 3 | 20.0% |
| #32 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Orem, UT | $583K | 3 | 14.3% |
| #32 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $667K | 3 | 11.5% |
| #32 | Amanda Landers | 351348 | CrossCountry Mortgage, LLC | 3029 | West Jordan, UT | $681K | 3 | 15.8% |
| #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 | Koleen Faddis | 486864 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $1.3M | 3 | 18.8% |
| #32 | Jennifer Christiansen | 1587420 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.3M | 3 | 30.0% |
| #32 | Jennifer Melling | 586927 | Goldenwest Federal Credit Union | 440574 | Roy, UT | $815K | 3 | 21.4% |
| #32 | Justin Molyneux | 97186 | CCJMSC HOLDINGS, LLC | 1494 | Logan, UT | $721K | 3 | 20.0% |
| #32 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $2.9M | 3 | 30.0% |
| #32 | Samuel Partridge | 23329 | CAPITAL ASSETS UTAH VALLEY, INC. | 3127 | Provo, UT | $997K | 3 | 27.3% |
| #32 | Russell Wheelwright | 278120 | SecurityNational Mortgage Company | 3116 | Orem, UT | $811K | 3 | 15.0% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2023
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