Retention champions in Utah in 2022, ranked by total volume. 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), William Farnsworth (Bank of Utah, NMLS #435310), and Brian Cooke (World Home Loans Inc, NMLS #17866).
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 | $14.4M | 47 | 34.8% |
| #2 | William Farnsworth | 435310 | Bank of Utah | 422914 | — | $10.9M | 26 | 68.4% |
| #3 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $10.9M | 27 | 65.9% |
| #4 | Tonya Froerer | 586925 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $10.8M | 20 | 43.5% |
| #5 | Reagan Walker | 1455186 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $10.4M | 22 | 56.4% |
| #6 | R Browning | 220892 | Sympli Mortgage LLC | 2510464 | Draper, UT | $10.4M | 18 | 34.0% |
| #7 | Sonnet Mouritsen | 293023 | Guild Mortgage Company LLC | 3274 | Sandy, UT | $9.8M | 26 | 38.2% |
| #8 | Melissa Fuller | 265339 | Intercap Lending Inc. | 190465 | Cottonwood Heights, UT | $9.3M | 19 | 57.6% |
| #9 | Brandon Hansen | 283559 | Guild Mortgage Company LLC | 3274 | Toquerville, UT | $8.7M | 12 | 38.7% |
| #10 | Kammra Montgomery | 293439 | Zions Bancorporation, National Association | 467014 | — | $8.3M | 7 | 70.0% |
| #11 | Christian Martinez | 277428 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $8.2M | 23 | 46.9% |
| #12 | Paul Margetts | 611760 | T2 Financial LLC | 1686046 | Westerville, OH | $8.2M | 18 | 32.7% |
| #13 | Anthony Graham | 309161 | Zions Bancorporation, National Association | 467014 | Saint George, UT | $8.0M | 5 | 45.5% |
| #14 | Chantry Abbott | 309670 | Guild Mortgage Company LLC | 3274 | St George, UT | $7.9M | 26 | 47.3% |
| #15 | Jeremy Smith | 13496 | Strategic Home Mortgage Limited Liability Company | 2584640 | Heber City, UT | $7.7M | 25 | 71.4% |
| #16 | Jennifer Dee | 1170024 | Bank of Utah | 422914 | Ogden, UT | $7.4M | 13 | 59.1% |
| #17 | Emilie Jensen | 398960 | Intercap Lending Inc. | 190465 | Farmington, UT | $7.3M | 22 | 51.2% |
| #18 | Jennifer Huntsman | 314690 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $7.3M | 15 | 71.4% |
| #19 | Christopher Opdyke | 502308 | U.S. Bank National Association | 402761 | Park City, UT | $7.1M | 8 | 42.1% |
| #20 | Ian Poor | 1040077 | INTERMOUNTAIN MORTGAGE COMPANY, INC. | 74889 | Park City, UT | $6.9M | 6 | 40.0% |
| #21 | Marcus Truscott | 5979 | Diversified Financial Services, Inc. | 269254 | Draper, UT | $6.8M | 16 | 55.2% |
| #22 | Spencer Stott | 134614 | Unified Lending Inc. | 1721971 | South Jordan, UT | $6.5M | 19 | 57.6% |
| #23 | Ian Dornfeld | 168013 | U.S. Bank National Association | 402761 | Park City, UT | $6.4M | 7 | 41.2% |
| #24 | Emily Rowley | 271927 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $6.4M | 16 | 26.2% |
| #25 | Shaun Russon | 1004093 | CrossCountry Mortgage, LLC | 3029 | St George, UT | $6.2M | 13 | 56.5% |
| #26 | Dennis Hendricks | 90634 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $6.1M | 16 | 36.4% |
| #27 | Justin Bancroft | 57402 | Community Lending Group, Inc. | 2727 | Riverton, UT | $6.1M | 12 | 85.7% |
| #28 | Jenny Callaway | 1564372 | Bank of Utah | 422914 | Ogden, UT | $5.7M | 14 | 51.9% |
| #29 | JEREMY FRANCOM | 274582 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $5.6M | 15 | 33.3% |
| #30 | Michael Bringhurst | 1050972 | Belem Servicing LLC | 715386 | St George, UT | $5.5M | 10 | 45.5% |
| #31 | Jena Flowers | 267246 | New American Funding, LLC | 6606 | Holladay, UT | $5.4M | 19 | 33.9% |
| #32 | Broch Lassig | 340314 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $5.3M | 11 | 26.8% |
| #33 | Deborah Castagno | 1465390 | Intercap Lending Inc. | 190465 | Tooele, UT | $5.2M | 16 | 61.5% |
| #34 | Anthony Eriksson | 220552 | CrossCountry Mortgage, LLC | 3029 | Pleasant Grove, UT | $5.2M | 13 | 59.1% |
| #35 | Jess Patterson | 1013404 | Guild Mortgage Company LLC | 3274 | Layton, UT | $5.2M | 14 | 41.2% |
| #36 | Danielle Young | 265241 | CrossCountry Mortgage, LLC | 3029 | South Jordan, UT | $5.0M | 11 | 21.6% |
| #37 | Geni Townsend | 586941 | Goldenwest Federal Credit Union | 440574 | South Ogden, UT | $5.0M | 13 | 35.1% |
| #38 | Steven Lundwall | 218185 | First Colony Mortgage Corporation | 3112 | Pleasant Grove, UT | $5.0M | 12 | 40.0% |
| #39 | Alexis Carter | 913654 | CITY CREEK MORTGAGE CORP. | 85855 | Draper, UT | $5.0M | 14 | 40.0% |
| #40 | Jacob McPhie | 432289 | Utah Community Federal Credit Union | 407653 | Heber City, UT | $5.0M | 10 | 55.6% |
| #41 | Russell Stephens | 234628 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $5.0M | 11 | 36.7% |
| #42 | Gary Stevens | 251021 | First Colony Mortgage Corporation | 3112 | Clearfield, UT | $4.9M | 14 | 50.0% |
| #43 | Jennifer Nielsen | 586915 | Bank of Utah | 422914 | Roy, UT | $4.9M | 13 | 43.3% |
| #44 | Benjamin Smith | 583467 | Deseret First Federal Credit Union | 403075 | Salt Lake City, UT | $4.9M | 10 | 27.8% |
| #45 | Benjamin Lemon | 71650 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $4.9M | 18 | 26.9% |
| #46 | Bryce Peterson | 586916 | Goldenwest Federal Credit Union | 440574 | Ogden, UT | $4.8M | 8 | 53.3% |
| #47 | Cory Holmes | 494844 | Zions Bancorporation, National Association | 467014 | Park City, UT | $4.8M | 4 | 25.0% |
| #48 | ASHKHEN TANIELIAN | 252952 | SUNDANCE LENDING GROUP LLC | 1152546 | Sandy, UT | $4.8M | 13 | 81.3% |
| #49 | Matthew Arnold | 69158 | Christian Roberts, MTG, L.L.C. | 3138 | Murray, UT | $4.7M | 8 | 38.1% |
| #50 | Taylor Madsen | 300284 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $4.6M | 12 | 36.4% |
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 Volume — Utah (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-retention-by-volume/2022
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