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 October 11, 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 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $8.6M | 17 | 53.1% |
| #6 | Easton Adamson | 1923331 | RANLife, Inc. | 3151 | Sandy, UT | $5.4M | 17 | 100.0% |
| #8 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $5.0M | 16 | 61.5% |
| #8 | Miles Pitcher | 103819 | Superior Lending Associates, L.C. | 3152 | Orem, UT | $8.0M | 16 | 47.1% |
| #8 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $3.2M | 16 | 48.5% |
| #11 | Jeremy Smith | 13496 | Strategic Home Mortgage Limited Liability Company | 2584640 | Heber City, UT | $8.5M | 14 | 60.9% |
| #12 | Jeremy Plouzek | 151251 | Superior Lending Associates, L.C. | 3152 | Orem, UT | $7.3M | 13 | 68.4% |
| #12 | Kristopher Matyas | 864775 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $5.7M | 13 | 81.3% |
| #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% |
| #14 | Patrick Steenburg | 162247 | American Wholesale Loans LLC | 1689830 | Salt Lake City, UT | $4.5M | 12 | 60.0% |
| #14 | R Browning | 220892 | Sympli Mortgage of Utah, LLC | 2510464 | Draper, UT | $4.9M | 12 | 24.5% |
| #14 | Melissa Meads | 1316806 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.1M | 12 | 15.4% |
| #14 | Timothy Roberts | 308603 | Bank of Utah | 422914 | Salt Lake City, UT | $3.8M | 12 | 48.0% |
| #20 | Andrew Larsen | 348938 | Canopy Mortgage, LLC | 1359687 | American Fork, UT | $2.2M | 11 | 55.0% |
| #20 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $4.0M | 11 | 42.3% |
| #20 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $1.2M | 11 | 35.5% |
| #20 | Rochelle Terzo | 1710932 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.0M | 11 | 11.6% |
| #24 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $3.9M | 10 | 55.6% |
| #24 | Brady Beyer | 1041865 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $4.1M | 10 | 45.5% |
| #24 | Kathleen Kassel | 323917 | SecurityNational Mortgage Company | 3116 | Salt Lake City, UT | $3.4M | 10 | 32.3% |
| #24 | Jason Hassell | 1563523 | Guild Mortgage Company LLC | 3274 | South Ogden, UT | $2.1M | 10 | 62.5% |
| #24 | Blake Bench | 203340 | First Colony Mortgage Corporation | 3112 | Orem, UT | $4.5M | 10 | 31.3% |
| #24 | TAYLOR RILEY | 717475 | CANYON VIEW FEDERAL CREDIT UNION | 654272 | Riverton, UT | $2.2M | 10 | 38.5% |
| #24 | Jessica Pendleton | 991557 | America First Federal Credit Union | 412819 | Riverdale, UT | $1.5M | 10 | 14.5% |
| #31 | Gary Stevens | 251021 | First Colony Mortgage Corporation | 3112 | Clearfield, UT | $4.4M | 9 | 29.0% |
| #31 | Scott Phippen | 292563 | Infinity Mortgage Company LLC | 1425808 | Draper, UT | $6.5M | 9 | 64.3% |
| #31 | Joshua Thomas | 314438 | First Class Home Mortgage, LLC | 1843 | South Jordan, UT | $4.7M | 9 | 42.9% |
| #31 | Russell Stephens | 234628 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $3.5M | 9 | 42.9% |
| #31 | Steven DeYoung | 313292 | Trillion Mortgage, Inc. | 313391 | Murray, UT | $6.2M | 9 | 47.4% |
| #31 | Alexis Carter | 913654 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $3.3M | 9 | 27.3% |
| #31 | Timothy Hawkes | 8785 | Cornerstone Capital Bank, SSB | 2258 | Clearfield, UT | $5.4M | 9 | 64.3% |
| #38 | Scott Stolpp | 218372 | All Western Mortgage, Inc. | 14210 | South Ogden, UT | $2.3M | 8 | 44.4% |
| #38 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $3.8M | 8 | 16.0% |
| #38 | Steven Wilcox | 85327 | Fulcrum Home Loans LLC | 1926444 | Henderson, NV | $1.9M | 8 | 28.6% |
| #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 | Dante Esquibel | 1027113 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $3.9M | 8 | 80.0% |
| #38 | Carter Campbell | 918947 | ALV Enterprises, Inc. | 888979 | Draper, UT | $4.6M | 8 | 38.1% |
| #38 | Rudy Lopez | 1445333 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $2.2M | 8 | 32.0% |
| #38 | Jeffrey Morrison | 978195 | Mountain America Federal Credit Union | 462815 | West Jordan, UT | $3.3M | 8 | 50.0% |
| #38 | Steven Carter | 1178666 | Intercap Lending Inc. | 190465 | Murray, UT | $3.7M | 8 | 26.7% |
| #38 | Christian Martinez | 277428 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $2.7M | 8 | 27.6% |
| #38 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $2.8M | 8 | 32.0% |
| #38 | Chad Knowles | 968860 | FastTrack Mortgage Inc | 1847199 | Fruit Heights, UT | $4.9M | 8 | 72.7% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-units/2024
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