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 May 28, 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 | 33.3% |
| #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% |
| #5 | Deborah Castagno | 1465390 | Intercap Lending Inc. | 190465 | Tooele, UT | $2.5M | 7 | 53.8% |
| #8 | Steven Carter | 1178666 | Intercap Lending Inc. | 190465 | Murray, UT | $3.1M | 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% |
| #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% |
| #13 | Broch Lassig | 340314 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $4.2M | 5 | 22.7% |
| #13 | Tyson Hare | 1008232 | Intercap Lending Inc. | 190465 | Richfield, UT | $753K | 5 | 41.7% |
| #13 | Brett Reynolds | 65531 | Guild Mortgage Company LLC | 3274 | Vernal, UT | $767K | 5 | 50.0% |
| #13 | JANA TALBOT | 1804158 | America First Federal Credit Union | 412819 | Riverdale, UT | $379K | 5 | 13.5% |
| #13 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $218K | 5 | 8.9% |
| #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 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $2.5M | 5 | 38.5% |
| #13 | Melissa Jeppesen | 649312 | Elevate Federal Credit Union | 641663 | Brigham City, UT | $568K | 5 | 35.7% |
| #13 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $567K | 5 | 14.3% |
| #13 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $2.7M | 5 | 27.8% |
| #13 | ANDREA AGUILAR-ROMERO | 1606281 | Cyprus Federal Credit Union | 666254 | West Valley, UT | $531K | 5 | 41.7% |
| #25 | Julie Crow | 274675 | First National Mortgage, LLC | 1754736 | Spanish Fork, UT | $1.1M | 4 | 28.6% |
| #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 | ALLAN RHODES | 690426 | Direct Rate, LLC | 2320473 | San Antonio, TX | $452K | 4 | 40.0% |
| #25 | Kara Steel | 1542167 | loanDepot.com, LLC | 174457 | Cottonwood Heights, UT | $1.0M | 4 | 33.3% |
| #25 | Jennifer Jones | 247020 | American Pacific Mortgage Corporation | 1850 | Layton, UT | $1.2M | 4 | 25.0% |
| #31 | Jeffrey Titus | 199565 | Fairway Independent Mortgage Corporation | 2289 | Kaysville, UT | $1.4M | 3 | 20.0% |
| #31 | Joshua Graves | 1672702 | Rockwell Mortgage LLC | 2413381 | South Jordan, UT | $1.1M | 3 | 20.0% |
| #31 | Justin Molyneux | 97186 | CCJMSC HOLDINGS, LLC | 1494 | Logan, UT | $721K | 3 | 20.0% |
| #31 | Allison Bills | 305235 | Intercap Lending Inc. | 190465 | Murray, UT | $1.4M | 3 | 30.0% |
| #31 | Keith Sargent | 273045 | American Pacific Mortgage Corporation | 1850 | Sandy, UT | $405K | 3 | 27.3% |
| #31 | Candice Register | 226775 | Lifetime Home Loans, LLC | 1861406 | Layton, UT | $793K | 3 | 23.1% |
| #31 | Darrell Kessler | 193895 | HomeAmerican Mortgage Corporation | 130676 | Denver, CO | $1.6M | 3 | 21.4% |
| #31 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $3.5M | 3 | 21.4% |
| #31 | Russell Wheelwright | 278120 | SecurityNational Mortgage Company | 3116 | Orem, UT | $811K | 3 | 15.0% |
| #31 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $1.3M | 3 | 21.4% |
| #31 | Donald Taylor | 486911 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | — | $218K | 3 | 25.0% |
| #31 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $1.2M | 3 | 12.0% |
| #31 | Julie Campbell | 299573 | Intercap Lending Inc. | 190465 | Brigham City, UT | $591K | 3 | 17.6% |
| #31 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $1.0M | 3 | 27.3% |
| #31 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $2.9M | 3 | 30.0% |
| #31 | Koleen Faddis | 486864 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $1.3M | 3 | 18.8% |
| #31 | Jason Willett | 1444387 | Open Door Mortgage LLC | 2658823 | Saint George, UT | $937K | 3 | 25.0% |
| #31 | Anthony Eriksson | 220552 | CrossCountry Mortgage, LLC | 3029 | Pleasant Grove, UT | $1.0M | 3 | 27.3% |
| #31 | Brad Heaps | 214911 | Bank of Utah | 422914 | Ogden, UT | $1.5M | 3 | 25.0% |
| #31 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $667K | 3 | 11.5% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2023
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