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 October 11, 2026, the top 3 include Zinnia Diaz (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 Diaz | 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 | $4.7M | 48 | $97K |
| #3 | Baylee Cahoon | 2413888 | Mountain America Federal Credit Union | 462815 | — | $4.1M | 39 | $104K |
| #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 | Pleasant Grove, 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 | Courtney Simons | 2185950 | C Rose LLC | 2395831 | — | $3.5M | 10 | $353K |
| #9 | Spencer Allen | 2296408 | Trillion Mortgage, Inc. | 313391 | Murray, UT | $4.5M | 10 | $455K |
| #11 | Mikah Fathers | 2178082 | Utah Community Federal Credit Union | 407653 | — | $3.4M | 9 | $379K |
| #12 | Filiberto Ledezma | 313168 | Emperiq Financial LLC | 819900 | West Jordan, UT | $3.8M | 8 | $479K |
| #13 | Suahyli Sanchez Rodriguez | 2328806 | 3 Keys Lending, LLC | 1920697 | Bluffdale, UT | $3.4M | 7 | $484K |
| #14 | Kathy Birkelbach | 1081139 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $2.7M | 6 | $449K |
| #14 | Carrie Jones | 1770385 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.5M | 6 | $416K |
| #14 | Dylan Cooley | 2288400 | CrossCountry Mortgage, LLC | 3029 | — | $2.5M | 6 | $419K |
| #17 | Heather McDonnold | 1591978 | Rocket Mortgage, LLC | 3030 | — | $363K | 5 | $73K |
| #17 | Matthew McNally | 2226339 | Better Mortgage Corporation | 330511 | New York, NY | $2.5M | 5 | $490K |
| #17 | Shontel Fullmer | 2220457 | The Lending Alliance, Inc | 1456864 | — | $2.1M | 5 | $429K |
| #17 | Corey Merrill | 748082 | Intercap Lending Inc. | 190465 | Pleasant Grove, UT | $2.0M | 5 | $409K |
| #17 | Ciarra Dennis | 2351267 | Capital One, National Association | 453156 | — | $476K | 5 | $95K |
| #22 | Chukwuma Iheanacho | 985031 | Integrity Lending, LLC | 1225494 | Salt Lake City, UT | $1.7M | 4 | $422K |
| #22 | Stefanie Godinez | 1325771 | All Western Mortgage, Inc. | 14210 | South Ogden, UT | $748K | 4 | $187K |
| #22 | Austin Brown | 2179687 | Lower, LLC | 1124061 | Bonita Springs, FL | $410K | 4 | $102K |
| #22 | Nathan Endter | 2285612 | Academy Mortgage Corporation | 3113 | — | $1.6M | 4 | $390K |
| #22 | Tara Cruse | 2294550 | NEXA Mortgage, LLC | 1660690 | — | $1.5M | 4 | $366K |
| #22 | Francisco Camacho Flores | 2333748 | KAI Lending LLC | 2782376 | South Jordan, UT | $1.5M | 4 | $376K |
| #22 | Jenn Potter | 2253285 | The Lending Alliance, Inc | 1456864 | — | $1.7M | 4 | $429K |
| #22 | Jonathan Olsen | 2270765 | Direct Rate Home Loans, Inc. | 2419164 | Cottonwood Heights, UT | $2.4M | 4 | $608K |
| #22 | Daniel Flores | 2254461 | BHB Mortgage, LLC | 2472472 | — | $1.8M | 4 | $442K |
| #22 | Justin Coshatt | 2279859 | Rocket Mortgage, LLC | 3030 | — | $240K | 4 | $60K |
| #22 | Candice Keele | 1728648 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $1.2M | 4 | $289K |
| #22 | Cameron Colovich | 1573359 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $1.7M | 4 | $417K |
| #22 | Benjamin Schneider | 275100 | CrossCountry Mortgage, LLC | 3029 | — | $2.9M | 4 | $730K |
| #22 | Eric Groves | 2103643 | La Capitol Federal Credit Union | 411413 | Baton Rouge, LA | $1.1M | 4 | $276K |
| #22 | Ahoo Khalessi | 2239510 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $394K | 4 | $98K |
| #37 | Bruce Baker | 2222485 | Guild Mortgage Company LLC | 3274 | — | $956K | 3 | $319K |
| #37 | Angela Twelmeyer | 2337606 | Guaranteed Rate, Inc. | 2611 | — | $1.3M | 3 | $428K |
| #37 | Brett Hewlett | 2314687 | American Pacific Mortgage Corporation | 1850 | Layton, UT | $1.3M | 3 | $432K |
| #37 | Stephen Coleman | 2294957 | LoanRemedy, LLC | 1827478 | Salt Lake City, UT | $1.1M | 3 | $356K |
| #37 | Joshua Duke | 2311903 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $1.2M | 3 | $414K |
| #37 | Joshua Hasak | 2304700 | Amerisave Mortgage Corporation | 1168 | — | $1.1M | 3 | $360K |
| #37 | Mitchell Eininger | 149302 | CrossCountry Mortgage, LLC | 3029 | — | $51K | 3 | $17K |
| #37 | Aaron Millett | 2311957 | UMortgage LLC | 1457759 | — | $1.3M | 3 | $427K |
| #37 | Joseph Stevenson | 2005834 | Lifetime Home Loans, LLC | 1861406 | Midvale, UT | $1.1M | 3 | $369K |
| #37 | Daniel Mullen | 2307504 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $1.2M | 3 | $414K |
| #37 | ADALINE SMITH | 2370108 | America First Federal Credit Union | 412819 | Riverdale, UT | $95K | 3 | $32K |
| #37 | Jonathan Repman | 2288515 | INTERMOUNTAIN MORTGAGE COMPANY, INC. | 74889 | Park City, UT | $1.3M | 3 | $447K |
| #37 | Lauren Burk | 2322112 | Rocket Mortgage, LLC | 3030 | — | $462K | 3 | $154K |
| #50 | Danielle Traute | 2351290 | Capital One, National Association | 453156 | — | $340K | 2 | $170K |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/utah/top-rookie-by-units/2022
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