Emily Gappmayer Rowley

About Emily Gappmayer Rowley

With over 20 years in the mortgage industry, I’ve built my career on one core belief: when you elevate people, performance follows. Since 2004, I’ve grown alongside this industry—and today, as President of the Retail Division at First Colony Mortgage, I lead the strategy, growth, and performance of our national retail platform. My role sits at the intersection of sales, operations, and culture—ensuring we scale with intention, stay competitive in a volatile market, and continue to deliver at the highest level. At First Colony, culture isn’t a buzzword—it’s our competitive advantage. I’m deeply focused on building high-performing teams, developing leaders, and creating an environment where people don’t just succeed… they expand. As we continue our growth trajectory, I’ve played a key role in aligning teams through big changes while protecting the mission and values that define us. I’m passionate about driving results—but even more passionate about how we get there. Whether it’s empowering our teams, strengthening partnerships, or helping clients build long-term wealth through real estate, I believe in creating impact that lasts well beyond a single transaction. At my core, I’m a builder—of people, of culture, and of businesses that perform. Outside of work, my greatest joy is my family. We live for the outdoors, adventure, and making memories together. Of all the titles I’ve earned, the ones I hold closest are Mom, Mimi, Friend, and Leader. Let’s connect-First Colony Mortgage Equal Housing Opportunity LenderNMLS#3112Personal NMLS#271927AZ License #10•••80

Experience

1. President of Retail Sales & Production

   First Colony Mortgage

   Nov 2021 — Present · Pleasant Grove, UT, US

Education

• Utah Valley University

  Bachelor of Science (BS), Behavioral Sciences - Psychology Emphasis

  2001 — 2004

Skills

• Refinance
• Residential Mortgages
• First Time Home Buyers
• Jumbo Mortgage
• Mortgage Banking
• Credit Repair
• New Construction