Retention champions in Texas in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Joel Mathew (Champions Processing Solutions LLC, NMLS #1542142), Biju paul (Prime Choice Lending Inc., NMLS #337511), and Ami Padhiar (Jatayu Loans LLC, NMLS #1023994).
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 | Joel Mathew | 1542142 | Champions Processing Solutions LLC | 2622219 | Houston, TX | $58.0M | 127 | 60.8% |
| #2 | Biju paul | 337511 | Prime Choice Lending Inc. | 1441287 | Plano, TX | $49.7M | 99 | 54.1% |
| #3 | Ami Padhiar | 1023994 | Jatayu Loans LLC | 2055341 | Irving, TX | $32.8M | 64 | 73.6% |
| #4 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $26.2M | 58 | 74.4% |
| #5 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $20.5M | 40 | 48.8% |
| #6 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $21.2M | 34 | 73.9% |
| #7 | Naveen Cheedhalla | 2666486 | TRI VALLEY HOME LOANS LLC | 2114972 | Fair Oaks, CA | $21.3M | 33 | 89.2% |
| #7 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $13.0M | 33 | 86.8% |
| #9 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $15.0M | 30 | 78.9% |
| #10 | Venkata Rajaneesh Jandhyam | 2142434 | TRI VALLEY HOME LOANS LLC | 2114972 | Fair Oaks, CA | $16.9M | 29 | 65.9% |
| #10 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $19.1M | 29 | 90.6% |
| #12 | Ki-ho Chung | 270067 | Western Mortgage Corporation | 328188 | Houston, TX | $13.4M | 27 | 93.1% |
| #12 | Brian McCauley | 208803 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $23.4M | 27 | 49.1% |
| #14 | Srinivas Nimmagadda | 2563647 | SI Mortgage Company | 68434 | Sterling Heights, MI | $12.6M | 26 | 74.3% |
| #14 | Hua Gu | 1496461 | 5Star Lending LLC | 2526632 | Plano, TX | $10.0M | 26 | 76.5% |
| #16 | KESHA VARDHAN KONDAM | 2586315 | The Hill Mortgage Company | 2004973 | Troy, MI | $12.7M | 25 | 83.3% |
| #17 | Suresh Pulivarthi | 2526983 | SSLP Mortgage LLC | 2536125 | Frisco, TX | $11.3M | 23 | 82.1% |
| #18 | Sesha Giri Gorantla | 2279013 | QUICK LEND MORTGAGE LLC | 2688617 | Irving, TX | $12.0M | 22 | 88.0% |
| #19 | AARAV SAJAN | 2385324 | Champions Lending LLC | 1706471 | Houston, TX | $9.4M | 21 | 84.0% |
| #19 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $9.4M | 21 | 52.5% |
| #21 | YANG CAO | 247154 | WINTEX GROUP LLC | 302340 | Plano, TX | $8.2M | 20 | 76.9% |
| #21 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $9.6M | 20 | 48.8% |
| #23 | SIVA POTHIREDDY | 1976381 | Maha Lending LLC | 2380263 | Leander, TX | $11.7M | 19 | 70.4% |
| #23 | Walid Elibiary | 452849 | Aspire Mortgage Advisors LLC | 2617555 | Plano, TX | $7.8M | 19 | 45.2% |
| #23 | venkata alla | 2083614 | DREAMHOMELENDING LLC | 2779500 | Lewisville, TX | $9.7M | 19 | 67.9% |
| #23 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $9.3M | 19 | 61.3% |
| #27 | majid kamalipour | 301888 | Texas Financial Resource Management, Inc. | 298423 | Dallas, TX | $8.9M | 18 | 58.1% |
| #27 | Michael Greco | 624465 | Greco Financial Services, LLC | 2283673 | Celina, TX | $8.4M | 18 | 78.3% |
| #29 | Michael Dickstein | 419436 | First Horizon Bank | 472329 | Dallas, TX | $14.4M | 17 | 54.8% |
| #29 | Abey Abraham | 1113702 | FIRST STEP MORTGAGE, LLC | 1898998 | Missouri City, TX | $9.5M | 17 | 63.0% |
| #29 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $5.2M | 17 | 34.0% |
| #29 | zhiyong zhang | 1728008 | iPlus Mortgage Inc | 2851298 | Houston, TX | $8.1M | 17 | 68.0% |
| #33 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $6.9M | 16 | 23.2% |
| #33 | Evelyn Garcia | 2060136 | RALLY CREDIT UNION | 500822 | Corpus Christi, TX | $3.5M | 16 | 76.2% |
| #35 | Sreelakshmi Jasti | 2565439 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $8.5M | 15 | 88.2% |
| #35 | Sai Vivek Boddu | 2331676 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $8.9M | 15 | 68.2% |
| #35 | Timothy Herman | 1833596 | UpEquity SPV2 LLC | 2101265 | Austin, TX | $6.7M | 15 | 44.1% |
| #35 | Shaoli Huang | 310910 | WINTEX GROUP LLC | 302340 | Plano, TX | $7.3M | 15 | 34.9% |
| #35 | George Mathews | 1935629 | Kenico Mortgage Services, Inc. | 1958068 | Troy, MI | $8.2M | 15 | 71.4% |
| #35 | Cheryl Funk | 1622579 | HomeLight Home Loans, Inc. | 1529229 | Scottsdale, AZ | $3.2M | 15 | 42.9% |
| #41 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $7.1M | 14 | 41.2% |
| #41 | John Hager | 1416273 | First Horizon Bank | 472329 | Dallas, TX | $7.9M | 14 | 53.8% |
| #41 | Major Singleton | 2011623 | Edge Home Finance, LLC | 891464 | Arlington, TX | $6.7M | 14 | 70.0% |
| #41 | Tami Channel | 333134 | C&T Mortgage, Inc | 1231852 | Cypress, TX | $5.5M | 14 | 70.0% |
| #41 | JAMES OOLUT | 307384 | HOUSTON MORTGAGE, INC. | 1822511 | Houston, TX | $7.1M | 14 | 66.7% |
| #46 | Tanja Allen | 255202 | CMG Mortgage, Inc. | 1820 | Austin, TX | $4.8M | 13 | 30.2% |
| #46 | Rohit Chaturvedi | 1063910 | Blink Mortgage LLC | 2354881 | Sugar Land, TX | $6.4M | 13 | 86.7% |
| #46 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $10.8M | 13 | 48.1% |
| #46 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $7.9M | 13 | 48.1% |
| #46 | Nishit Shah | 2466521 | Simplex Lending LLC | 2092138 | Fulshear, TX | $5.9M | 13 | 72.2% |
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 — Texas. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units
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