Retention champions in Utah in 2024, 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 Brian Cooke (World Home Loans Inc, NMLS #17866), KAREN NIELSON (Guild Mortgage Company LLC, NMLS #80226), and Brett Reynolds (Guild Mortgage Company LLC, NMLS #65531).
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 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $27.2M | 54 | 76.1% |
| #2 | KAREN NIELSON | 80226 | Guild Mortgage Company LLC | 3274 | Logan, UT | $10.0M | 37 | 43.0% |
| #3 | Brett Reynolds | 65531 | Guild Mortgage Company LLC | 3274 | Vernal, UT | $6.8M | 21 | 72.4% |
| #4 | Broch Lassig | 340314 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $13.3M | 18 | 47.4% |
| #4 | Jamie Cooke | 2016901 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $6.1M | 18 | 62.1% |
| #6 | James Hobson | 1514540 | UMortgage LLC | 1457759 | Bountiful, UT | $8.6M | 17 | 53.1% |
| #6 | Easton Adamson | 1923331 | RANLife, Inc. | 3151 | Sandy, UT | $5.4M | 17 | 100.0% |
| #8 | Miles Pitcher | 103819 | Superior Lending Associates, L.C. | 3152 | Orem, UT | $8.0M | 16 | 47.1% |
| #8 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $5.0M | 16 | 61.5% |
| #10 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $3.1M | 15 | 46.9% |
| #11 | Jeremy Smith | 13496 | Strategic Home Mortgage Limited Liability Company | 2584640 | Heber City, UT | $8.5M | 14 | 60.9% |
| #12 | Kristopher Matyas | 864775 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $5.7M | 13 | 81.3% |
| #12 | Jeremy Plouzek | 151251 | Superior Lending Associates, L.C. | 3152 | Orem, UT | $7.3M | 13 | 68.4% |
| #14 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.1M | 12 | 15.4% |
| #14 | Patrick Steenburg | 162247 | American Wholesale Loans LLC | 1689830 | Salt Lake City, UT | $4.5M | 12 | 60.0% |
| #14 | Timothy Roberts | 308603 | Bank of Utah | 422914 | Salt Lake City, UT | $3.8M | 12 | 48.0% |
| #14 | R Browning | 220892 | Sympli Mortgage of Utah, LLC | 2510464 | Draper, UT | $4.9M | 12 | 24.5% |
| #14 | Russell Piggott | 611753 | Bank of Utah | 422914 | Logan, UT | $5.2M | 12 | 57.1% |
| #14 | Benjamin Smith | 583467 | Deseret First Federal Credit Union | 403075 | Salt Lake City, UT | $3.8M | 12 | 30.0% |
| #20 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $4.0M | 11 | 42.3% |
| #20 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.0M | 11 | 11.6% |
| #20 | Andrew Larsen | 348938 | Canopy Mortgage, LLC | 1359687 | American Fork, UT | $2.2M | 11 | 55.0% |
| #20 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $1.2M | 11 | 35.5% |
| #24 | TAYLOR RILEY | 717475 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Riverton, UT | $2.2M | 10 | 38.5% |
| #24 | Kathleen Kassel | 323917 | SecurityNational Mortgage Company | 3116 | Salt Lake City, UT | $3.4M | 10 | 32.3% |
| #24 | Brady Beyer | 1041865 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $4.1M | 10 | 45.5% |
| #24 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $3.9M | 10 | 55.6% |
| #24 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.5M | 10 | 14.5% |
| #24 | Blake Bench | 203340 | First Colony Mortgage Corporation | 3112 | Orem, UT | $4.5M | 10 | 31.3% |
| #24 | Jason Hassell | 1563523 | Guild Mortgage Company LLC | 3274 | South Ogden, UT | $2.1M | 10 | 62.5% |
| #31 | Alexis Carter | 913654 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $3.3M | 9 | 27.3% |
| #31 | Scott Phippen | 292563 | Infinity Mortgage Company LLC | 1425808 | Draper, UT | $6.5M | 9 | 64.3% |
| #31 | Timothy Hawkes | 8785 | Cornerstone Capital Bank, SSB | 2258 | Clearfield, UT | $5.4M | 9 | 64.3% |
| #31 | Joshua Thomas | 314438 | First Class Home Mortgage, LLC | 1843 | South Jordan, UT | $4.7M | 9 | 42.9% |
| #31 | Steven DeYoung | 313292 | Trillion Mortgage, Inc. | 313391 | Murray, UT | $6.2M | 9 | 47.4% |
| #31 | Gary Stevens | 251021 | First Colony Mortgage Corporation | 3112 | Clearfield, UT | $4.4M | 9 | 29.0% |
| #31 | Russell Stephens | 234628 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $3.5M | 9 | 42.9% |
| #38 | Steven Carter | 1178666 | Intercap Lending Inc. | 190465 | Murray, UT | $3.7M | 8 | 26.7% |
| #38 | Dante Esquibel | 1027113 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $3.9M | 8 | 80.0% |
| #38 | Ryan Harding | 269043 | WORK HARDING HOME MORTGAGE TEAM, L.L.C. | 2396714 | Lehi, UT | $2.8M | 8 | 50.0% |
| #38 | Cynthia DeJong | 2133953 | American Pacific Mortgage Corporation | 1850 | Sandy, UT | $3.4M | 8 | 61.5% |
| #38 | Jeffrey Morrison | 978195 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $3.3M | 8 | 50.0% |
| #38 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $2.8M | 8 | 32.0% |
| #38 | Carter Campbell | 918947 | ALV Enterprises, Inc. | 888979 | Draper, UT | $4.6M | 8 | 38.1% |
| #38 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $3.8M | 8 | 16.0% |
| #38 | Chad Knowles | 968860 | FastTrack Mortgage Inc | 1847199 | Fruit Heights, UT | $4.9M | 8 | 72.7% |
| #38 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $1.9M | 8 | 28.6% |
| #38 | Shaun Russon | 1004093 | CrossCountry Mortgage, LLC | 3029 | St George, UT | $3.1M | 8 | 38.1% |
| #38 | Christian Martinez | 277428 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $2.7M | 8 | 27.6% |
| #38 | Scott Stolpp | 218372 | All Western Mortgage, Inc. | 14210 | South Ogden, UT | $2.3M | 8 | 44.4% |
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 (2024). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2024
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