Retention champions in Texas in 2023, 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 Patricia Newby (US Mortgage Corporation, NMLS #194741), Mark Goodwin (The Federal Savings Bank, NMLS #543312), and Tammy Badeaux (KBHS Home Loans, LLC, NMLS #284266).
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 | Patricia Newby | 194741 | US Mortgage Corporation | 3901 | Frisco, TX | $13.7M | 30 | 76.9% |
| #2 | Mark Goodwin | 543312 | The Federal Savings Bank | 411500 | Southlake, TX | $31.6M | 24 | 51.1% |
| #2 | Tammy Badeaux | 284266 | KBHS Home Loans, LLC | 1542802 | — | $4.1M | 24 | 52.2% |
| #4 | Jeannette Merritt | 1421572 | Gateway First Bank | 7233 | Lake Jackson, TX | $9.1M | 19 | 82.6% |
| #5 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $3.4M | 15 | 41.7% |
| #6 | Kathy Allen | 509715 | University Federal Credit Union | 441215 | Austin, TX | $2.1M | 14 | 56.0% |
| #7 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.3M | 13 | 56.5% |
| #7 | Jackye Chapa | 955341 | Texas Trust Credit Union | 402846 | Grand Prairie, TX | $2.1M | 13 | 61.9% |
| #9 | Kinsey Boyd | 1424858 | First United Bank and Trust Company | 400025 | Gainesville, TX | $1.2M | 11 | 57.9% |
| #9 | Barbara Berry | 458226 | Texas Bank and Trust Company | 402927 | Longview, TX | $3.0M | 11 | 78.6% |
| #11 | Ramon Garza | 652275 | TEXASBANK | 539097 | Brownwood, TX | $2.6M | 10 | 76.9% |
| #11 | Denise Donoghue | 513250 | NRD Lending LLC | 2829543 | Dallas, TX | $3.9M | 10 | 27.8% |
| #11 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $6.1M | 10 | 83.3% |
| #11 | Walter Gallipeau | 334625 | Lower, LLC | 1124061 | Tampa, FL | $7.2M | 10 | 76.9% |
| #11 | Virginia Davis | 682403 | MCT CREDIT UNION | 469665 | Port Neches, TX | $1.7M | 10 | 71.4% |
| #11 | ADRIANA MONTES | 310149 | Eustis Mortgage Corporation | 70345 | McAllen, TX | $1.8M | 10 | 47.6% |
| #11 | Christopher Hibbing | 1619423 | loanDepot.com, LLC | 174457 | — | $1.4M | 10 | 45.5% |
| #11 | Rachel Parks | 1731136 | R Bank | 606992 | Round Rock, TX | $4.6M | 10 | 66.7% |
| #19 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $4.5M | 9 | 81.8% |
| #19 | Karin Rios | 782322 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $1.2M | 9 | 36.0% |
| #19 | Chadd Stefanides | 1247846 | Ridgeland Mortgage, LLC | 2245922 | Chandler, AZ | $1.9M | 9 | 42.9% |
| #22 | Ashlynn Kelso | 1074888 | Residential Wholesale Mortgage, Inc. | 79445 | Georgetown, TX | $4.2M | 8 | 50.0% |
| #22 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $4.2M | 8 | 66.7% |
| #22 | Amir Fazalbhai | 389384 | Republic State Mortgage Co. | 62411 | Trophy Club, TX | $3.5M | 8 | 57.1% |
| #22 | Kelly Chumbley | 778208 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $4.2M | 8 | 40.0% |
| #22 | Benito Solis | 743526 | Republic State Mortgage Co. | 62411 | San Antonio, TX | $2.8M | 8 | 18.6% |
| #22 | Michael Davis | 1855056 | New American Funding, LLC | 6606 | Houston, TX | $1.3M | 8 | 80.0% |
| #22 | Connie Buckhalter | 716713 | First Community Credit Union | 217251 | Houston, TX | $943K | 8 | 80.0% |
| #22 | Eva Gomez | 774639 | SOFI BANK, NATIONAL ASSOCIATION | 696891 | Cottonwood Heights, UT | $1.5M | 8 | 72.7% |
| #22 | Desa Monroe | 1459828 | Rave Financial Credit Union | 403069 | Beaumont, TX | $927K | 8 | 38.1% |
| #22 | Mary Barnes | 266574 | Citizens National Bank at Brownwood | 405710 | — | $1.4M | 8 | 80.0% |
| #22 | Donald Gothard | 207618 | Highlands Residential Mortgage, Ltd. | 134871 | Allen, TX | $1.8M | 8 | 40.0% |
| #33 | Joseph Davidson | 911514 | American National Bank & Trust | 493901 | Wichita Falls, TX | $2.0M | 7 | 70.0% |
| #33 | Rodney Anderson | 196730 | NFM Lending, LLC | 2893 | Highland Village, TX | $3.2M | 7 | 28.0% |
| #33 | RICKIE LORFING | 336625 | First Rate Financial, LLC | 658200 | Frisco, TX | $1.9M | 7 | 41.2% |
| #33 | Gina Gonzalez | 217569 | TEXAS NATIONAL BANK | 518308 | Mercedes, TX | $1.7M | 7 | 58.3% |
| #33 | Gustavo Garza | 1381812 | Generations Community Federal Credit Union | 409298 | Castle Hills, TX | $942K | 7 | 33.3% |
| #33 | James Hurst | 323441 | Hurst Real Estate, Inc. | 267051 | Dallas, TX | $2.8M | 7 | 41.2% |
| #33 | Matthew Vest | 185595 | loanDepot.com, LLC | 174457 | Houston, TX | $1.6M | 7 | 53.8% |
| #33 | Ronald Valdez | 184407 | First Bank | 583439 | Plano, TX | $3.6M | 7 | 58.3% |
| #33 | Carrie Pontikas | 712150 | AMOCO Federal Credit Union | 408167 | Texas City, TX | $1.4M | 7 | 53.8% |
| #33 | Gregory Jackson | 464142 | Extraco Banks, National Association | 454564 | Temple, TX | $3.0M | 7 | 70.0% |
| #33 | Linda Corea | 259593 | loanDepot.com, LLC | 174457 | Grapevine, TX | $1.8M | 7 | 63.6% |
| #33 | Ryan Stalmach | 1648408 | Wings Credit Union | 405466 | Colorado Springs, CO | $1.1M | 7 | 31.8% |
| #33 | Brian Vander Plaats | 841917 | Network Funding, L.P. | 2297 | Dallas, TX | $1.5M | 7 | 31.8% |
| #33 | Cheryl Lowe | 562124 | Educators Credit Union | 402398 | Waco, TX | $674K | 7 | 70.0% |
| #33 | Alexander Rodriguez | 1658924 | Amplify Credit Union | 530487 | Austin, TX | $1.5M | 7 | 70.0% |
| #33 | Destini Bowling | 608394 | CMG Mortgage, Inc. | 1820 | Tyler, TX | $1.6M | 7 | 38.9% |
| #49 | Clinton Yates | 208147 | Direct Mortgage Loans, LLC | 832799 | Houston, TX | $708K | 6 | 54.5% |
| #49 | DAVID MEDRANO | 568150 | Fifth Third Bank, National Association | 403245 | Austin, TX | $5.1M | 6 | 50.0% |
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 (2023). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2023
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