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 May 28, 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 | San Antonio, TX | $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 | 59.1% |
| #7 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.3M | 13 | 56.5% |
| #9 | Kinsey Boyd | 1424858 | DATCU Credit Union | 627376 | Corinth, TX | $1.2M | 11 | 57.9% |
| #9 | Barbara Berry | 458226 | Texas Bank and Trust Company | 402927 | Longview, TX | $3.0M | 11 | 78.6% |
| #11 | ADRIANA MONTES | 310149 | Eustis Mortgage Corporation | 70345 | McAllen, TX | $1.8M | 10 | 47.6% |
| #11 | Ramon Garza | 652275 | TEXASBANK | 539097 | Brownwood, TX | $2.6M | 10 | 76.9% |
| #11 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $3.9M | 10 | 27.8% |
| #11 | Virginia Davis | 682403 | MCT CREDIT UNION | 469665 | Port Neches, TX | $1.7M | 10 | 71.4% |
| #11 | Rachel Parks | 1731136 | R Bank | 606992 | Round Rock, TX | $4.6M | 10 | 66.7% |
| #16 | Chadd Stefanides | 1247846 | Lennar Mortgage, LLC | 1058 | Irving, TX | $1.9M | 9 | 42.9% |
| #16 | Karin Rios | 782322 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $1.2M | 9 | 36.0% |
| #16 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $5.3M | 9 | 81.8% |
| #16 | Christopher Hibbing | 1619423 | loanDepot.com, LLC | 174457 | Katy, TX | $1.2M | 9 | 47.4% |
| #16 | Walter Gallipeau | 334625 | PrimeLending, A PlainsCapital Company | 13649 | Plano, TX | $6.3M | 9 | 75.0% |
| #16 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $4.5M | 9 | 81.8% |
| #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 | Donald Gothard | 207618 | Highlands Residential Mortgage, Ltd. | 134871 | Allen, TX | $1.8M | 8 | 40.0% |
| #22 | Kelly Chumbley | 778208 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $4.2M | 8 | 40.0% |
| #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 | Ashlynn Kelso | 1074888 | Residential Wholesale Mortgage, Inc. | 79445 | Georgetown, TX | $4.2M | 8 | 47.1% |
| #22 | Desa Monroe | 1459828 | Rave Financial Credit Union | 403069 | Beaumont, TX | $927K | 8 | 38.1% |
| #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% |
| #32 | Rodney Anderson | 196730 | NFM Lending, LLC | 2893 | Highland Village, TX | $3.2M | 7 | 28.0% |
| #32 | Ryan Stalmach | 1648408 | Wings Credit Union | 405466 | Colorado Springs, CO | $1.1M | 7 | 31.8% |
| #32 | Gustavo Garza | 1381812 | Generations Community Federal Credit Union | 409298 | Castle Hills, TX | $942K | 7 | 33.3% |
| #32 | Gina Gonzalez | 217569 | TEXAS NATIONAL BANK | 518308 | Mercedes, TX | $1.7M | 7 | 58.3% |
| #32 | Brian Vander Plaats | 841917 | Network Funding, L.P. | 2297 | Dallas, TX | $1.5M | 7 | 31.8% |
| #32 | Destini Bowling | 608394 | CMG Mortgage, Inc. | 1820 | Tyler, TX | $1.6M | 7 | 38.9% |
| #32 | RICKIE LORFING | 336625 | First Rate Financial, LLC | 658200 | Frisco, TX | $1.9M | 7 | 41.2% |
| #32 | Matthew Vest | 185595 | loanDepot.com, LLC | 174457 | Houston, TX | $1.6M | 7 | 53.8% |
| #32 | Ronald Valdez | 184407 | First Bank | 583439 | Plano, TX | $3.6M | 7 | 58.3% |
| #32 | Joseph Davidson | 911514 | American National Bank & Trust | 493901 | Wichita Falls, TX | $2.0M | 7 | 70.0% |
| #32 | Cheryl Lowe | 562124 | Educators Credit Union | 402398 | Waco, TX | $674K | 7 | 70.0% |
| #32 | Gregory Jackson | 464142 | Extraco Banks, National Association | 454564 | Temple, TX | $3.0M | 7 | 70.0% |
| #32 | Linda Corea | 259593 | loanDepot.com, LLC | 174457 | Grapevine, TX | $1.8M | 7 | 63.6% |
| #45 | Megan Smith | 1372350 | Pentagon Federal Credit Union | 401822 | — | $831K | 6 | 40.0% |
| #45 | Ruthi Wainshal | 787536 | Credit Human Federal Credit Union | 486243 | — | $585K | 6 | 54.5% |
| #45 | Tina Kolster | 586030 | The City National Bank of Colorado City | 412604 | San Angelo, TX | $1.4M | 6 | 50.0% |
| #45 | Breanna Rife | 1149825 | Gulf Coast Educators Federal Credit Union | 403220 | Pasadena, TX | $488K | 6 | 54.5% |
| #45 | DAVID MEDRANO | 568150 | Fifth Third Bank, National Association | 403245 | Cincinnati, OH | $5.1M | 6 | 50.0% |
| #45 | 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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2023
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