Leading rookies in Utah in 2022, 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 Zinnia Bozo (Mountain America Federal Credit Union, NMLS #1995111), Ana Powell (Mountain America Federal Credit Union, NMLS #2413889), and Baylee Cahoon (Mountain America Federal Credit Union, NMLS #2413888).
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 | 2022 Volume | 2022 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Zinnia Bozo | 1995111 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $6.0M | 64 | $94K |
| #2 | Ana Powell | 2413889 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $4.6M | 47 | $98K |
| #3 | Baylee Cahoon | 2413888 | Mountain America Federal Credit Union | 462815 | — | $4.0M | 38 | $106K |
| #4 | Richard Stark | 1285641 | Utah Power Credit Union | 784945 | Murray, UT | $6.0M | 34 | $177K |
| #5 | Kristi Summers | 2363644 | Bank of Utah | 422914 | Logan, UT | $11.8M | 27 | $439K |
| #6 | Jonathan Cannon | 2287411 | Beneficial Mortgage, LLC | 2692489 | Saratoga Springs, UT | $10.1M | 21 | $481K |
| #7 | Shelby Brinton | 2409720 | Jordan Federal Credit Union | 402456 | — | $1.3M | 17 | $74K |
| #8 | Isis Nix | 2419303 | Mountain America Federal Credit Union | 462815 | — | $1.2M | 12 | $100K |
| #9 | Spencer Allen | 2296408 | Trillion Mortgage, Inc. | 313391 | Murray, UT | $4.5M | 10 | $455K |
| #9 | Courtney Simons | 2185950 | C Rose LLC | 2395831 | — | $3.5M | 10 | $353K |
| #11 | Mikah Fathers | 2178082 | Utah Community Federal Credit Union | 407653 | — | $3.4M | 9 | $379K |
| #12 | Suahyli Sanchez Rodriguez | 2328806 | 3 Keys Lending, LLC | 1920697 | Bluffdale, UT | $3.4M | 7 | $484K |
| #12 | Filiberto Ledezma | 313168 | Emperiq Financial LLC | 819900 | West Jordan, UT | $3.5M | 7 | $499K |
| #14 | Carrie Jones | 1770385 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.5M | 6 | $416K |
| #14 | Kathy Birkelbach | 1081139 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $2.7M | 6 | $449K |
| #14 | Dylan Cooley | 2288400 | CrossCountry Mortgage, LLC | 3029 | — | $2.5M | 6 | $419K |
| #17 | Matthew McNally | 2226339 | Better Mortgage Corporation | 330511 | New York, NY | $2.5M | 5 | $490K |
| #17 | Corey Merrill | 748082 | ASSOCIATED MORTGAGE COMPANY, LC | 51389 | Cottonwood Heights, UT | $2.0M | 5 | $409K |
| #17 | Shontel Fullmer | 2220457 | The Lending Alliance, Inc | 1456864 | — | $2.1M | 5 | $429K |
| #17 | Austin Brown | 2179687 | APPLI, LLC | 2245566 | Orlando, FL | $485K | 5 | $97K |
| #17 | Heather McDonnold | 1591978 | Rocket Mortgage, LLC | 3030 | Cleveland, OH | $363K | 5 | $73K |
| #17 | Ciarra Dennis | 2351267 | Capital One, National Association | 453156 | — | $476K | 5 | $95K |
| #23 | Justin Coshatt | 2279859 | Rocket Mortgage, LLC | 3030 | — | $240K | 4 | $60K |
| #23 | Eric Groves | 2103643 | La Capitol Federal Credit Union | 411413 | Baton Rouge, LA | $1.1M | 4 | $276K |
| #23 | Stefanie Godinez | 1325771 | All Western Mortgage, Inc. | 14210 | South Ogden, UT | $748K | 4 | $187K |
| #23 | Francisco Camacho Flores | 2333748 | KAI Lending LLC | 2782376 | Midvale, UT | $1.5M | 4 | $376K |
| #23 | Tara Cruse | 2294550 | NEXA Mortgage, LLC | 1660690 | — | $1.5M | 4 | $366K |
| #23 | Candice Keele | 1728648 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $1.2M | 4 | $289K |
| #23 | Nathan Endter | 2285612 | Academy Mortgage Corporation | 3113 | — | $1.6M | 4 | $390K |
| #23 | Jonathan Olsen | 2270765 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $2.4M | 4 | $608K |
| #23 | Benjamin Schneider | 275100 | CrossCountry Mortgage, LLC | 3029 | — | $2.9M | 4 | $730K |
| #23 | Chukwuma Iheanacho | 985031 | Integrity Lending, LLC | 1225494 | Salt Lake City, UT | $1.7M | 4 | $422K |
| #23 | Ahoo Khalessi | 2239510 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $394K | 4 | $98K |
| #23 | Jenn Potter | 2253285 | The Lending Alliance, Inc | 1456864 | — | $1.7M | 4 | $429K |
| #23 | Daniel Flores | 2254461 | BHB Mortgage, LLC | 2472472 | — | $1.8M | 4 | $442K |
| #23 | Cameron Colovich | 1573359 | UMortgage LLC | 1457759 | Bountiful, UT | $1.7M | 4 | $417K |
| #37 | Joshua Hasak | 2304700 | Amerisave Mortgage Corporation | 1168 | — | $1.1M | 3 | $360K |
| #37 | Mitchell Eininger | 149302 | CrossCountry Mortgage, LLC | 3029 | — | $51K | 3 | $17K |
| #37 | Joshua Duke | 2311903 | Remarkable Home Loans, LLC | 1805193 | Spanish Fork, UT | $1.2M | 3 | $414K |
| #37 | Bruce Baker | 2222485 | Guild Mortgage Company LLC | 3274 | — | $956K | 3 | $319K |
| #37 | Joseph Stevenson | 2005834 | Lifetime Home Loans, LLC | 1861406 | Midvale, UT | $1.1M | 3 | $369K |
| #37 | Jonathan Repman | 2288515 | INTERMOUNTAIN MORTGAGE COMPANY, INC. | 74889 | Park City, UT | $1.3M | 3 | $447K |
| #37 | Daniel Mullen | 2307504 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $1.2M | 3 | $414K |
| #37 | Brett Hewlett | 2314687 | American Pacific Mortgage Corporation | 1850 | Layton, UT | $1.3M | 3 | $432K |
| #37 | Angela Twelmeyer | 2337606 | Guaranteed Rate, Inc. | 2611 | — | $1.3M | 3 | $428K |
| #37 | ADALINE SMITH | 2370108 | America First Federal Credit Union | 412819 | Riverdale, UT | $95K | 3 | $32K |
| #37 | Lauren Burk | 2322112 | Rocket Mortgage, LLC | 3030 | — | $462K | 3 | $154K |
| #37 | Stephen Coleman | 2294957 | LoanRemedy, LLC | 1827478 | Salt Lake City, UT | $1.1M | 3 | $356K |
| #37 | Aaron Millett | 2311957 | UMortgage LLC | 1457759 | — | $1.3M | 3 | $427K |
| #50 | Karly Houskeeper | 2407022 | EASTERN UTAH COMMUNITY CREDIT UNION | 407924 | — | $153K | 2 | $77K |
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. Leading Rookies by Loan Count — Utah (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-rookie-by-units/2022
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