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 August 27, 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 | 40.5% |
| #6 | Kathy Allen | 509715 | University Federal Credit Union | 441215 | Austin, TX | $2.1M | 14 | 56.0% |
| #7 | Jackye Chapa | 955341 | Texas Trust Credit Union | 402846 | Grand Prairie, TX | $2.1M | 13 | 61.9% |
| #7 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.3M | 13 | 56.5% |
| #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 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $6.1M | 10 | 83.3% |
| #11 | Virginia Davis | 682403 | MCT CREDIT UNION | 469665 | Port Neches, TX | $1.7M | 10 | 71.4% |
| #11 | Ramon Garza | 652275 | TEXASBANK | 539097 | Brownwood, TX | $2.6M | 10 | 76.9% |
| #11 | Walter Gallipeau | 334625 | PrimeLending, A PlainsCapital Company | 13649 | Plano, TX | $7.2M | 10 | 76.9% |
| #11 | Denise Donoghue | 513250 | NRD Lending LLC | 2829543 | Dallas, TX | $3.9M | 10 | 27.8% |
| #11 | Rachel Parks | 1731136 | R Bank | 606992 | Round Rock, TX | $4.6M | 10 | 66.7% |
| #11 | Christopher Hibbing | 1619423 | loanDepot.com, LLC | 174457 | — | $1.4M | 10 | 45.5% |
| #11 | ADRIANA MONTES | 310149 | Eustis Mortgage Corporation | 70345 | McAllen, TX | $1.8M | 10 | 47.6% |
| #19 | Karin Rios | 782322 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $1.2M | 9 | 36.0% |
| #19 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $4.5M | 9 | 81.8% |
| #19 | Chadd Stefanides | 1247846 | Ridgeland Mortgage, LLC | 2245922 | Chandler, AZ | $1.9M | 9 | 42.9% |
| #22 | Kelly Chumbley | 778208 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $4.2M | 8 | 40.0% |
| #22 | Mary Barnes | 266574 | Citizens National Bank at Brownwood | 405710 | — | $1.4M | 8 | 80.0% |
| #22 | Eva Gomez | 774639 | SOFI BANK, NATIONAL ASSOCIATION | 696891 | Cottonwood Heights, UT | $1.5M | 8 | 72.7% |
| #22 | Benito Solis | 743526 | Republic State Mortgage Co. | 62411 | Shavano Park, TX | $2.8M | 8 | 18.6% |
| #22 | Michael Davis | 1855056 | New American Funding, LLC | 6606 | Houston, TX | $1.3M | 8 | 80.0% |
| #22 | Donald Gothard | 207618 | Highlands Residential Mortgage, Ltd. | 134871 | Allen, TX | $1.8M | 8 | 40.0% |
| #22 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $4.2M | 8 | 66.7% |
| #22 | Ashlynn Kelso | 1074888 | Residential Wholesale Mortgage, Inc. | 79445 | Georgetown, TX | $4.2M | 8 | 50.0% |
| #22 | Desa Monroe | 1459828 | Rave Financial Credit Union | 403069 | Beaumont, TX | $927K | 8 | 38.1% |
| #22 | Amir Fazalbhai | 389384 | Republic State Mortgage Co. | 62411 | Trophy Club, TX | $3.5M | 8 | 57.1% |
| #22 | Connie Buckhalter | 716713 | First Community Credit Union | 217251 | Houston, TX | $943K | 8 | 80.0% |
| #33 | Gustavo Garza | 1381812 | Generations Community Federal Credit Union | 409298 | Castle Hills, TX | $942K | 7 | 33.3% |
| #33 | Joseph Davidson | 911514 | American National Bank & Trust | 493901 | Wichita Falls, TX | $2.0M | 7 | 70.0% |
| #33 | RICKIE LORFING | 336625 | First Rate Financial, LLC | 658200 | Frisco, TX | $1.9M | 7 | 41.2% |
| #33 | James Hurst | 323441 | Hurst Real Estate, Inc. | 267051 | Dallas, TX | $2.8M | 7 | 41.2% |
| #33 | Carrie Pontikas | 712150 | AMOCO Federal Credit Union | 408167 | Texas City, TX | $1.4M | 7 | 53.8% |
| #33 | Cheryl Lowe | 562124 | Educators Credit Union | 402398 | Waco, TX | $674K | 7 | 70.0% |
| #33 | Matthew Vest | 185595 | loanDepot.com, LLC | 174457 | Houston, TX | $1.6M | 7 | 53.8% |
| #33 | Gina Gonzalez | 217569 | TEXAS NATIONAL BANK | 518308 | Mercedes, TX | $1.7M | 7 | 58.3% |
| #33 | Rodney Anderson | 196730 | NFM Lending, LLC | 2893 | Highland Village, TX | $3.2M | 7 | 28.0% |
| #33 | Alexander Rodriguez | 1658924 | Amplify Credit Union | 530487 | Austin, TX | $1.5M | 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 | Gregory Jackson | 464142 | Extraco Banks, National Association | 454564 | Temple, TX | $3.0M | 7 | 70.0% |
| #33 | Ronald Valdez | 184407 | First Bank | 583439 | Plano, TX | $3.6M | 7 | 58.3% |
| #33 | Brian Vander Plaats | 841917 | Network Funding, L.P. | 2297 | Dallas, TX | $1.5M | 7 | 31.8% |
| #33 | Destini Bowling | 608394 | CMG Mortgage, Inc. | 1820 | Tyler, TX | $1.6M | 7 | 38.9% |
| #49 | Jennifer Huerta | 1097200 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $1.0M | 6 | 21.4% |
| #49 | Richelle Aston | 586287 | Texas Trust Credit Union | 402846 | Flower Mound, TX | $850K | 6 | 37.5% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2023
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