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 July 13, 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 | 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 | Barbara Berry | 458226 | Texas Bank and Trust Company | 402927 | Longview, TX | $3.0M | 11 | 78.6% |
| #9 | Kinsey Boyd | 1424858 | DATCU Credit Union | 627376 | Corinth, TX | $1.2M | 11 | 57.9% |
| #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 | Rachel Parks | 1731136 | R Bank | 606992 | Round Rock, TX | $4.6M | 10 | 66.7% |
| #11 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $3.9M | 10 | 27.8% |
| #11 | ADRIANA MONTES | 310149 | Eustis Mortgage Corporation | 70345 | McAllen, TX | $1.8M | 10 | 47.6% |
| #17 | Christopher Hibbing | 1619423 | loanDepot.com, LLC | 174457 | Katy, TX | $1.2M | 9 | 45.0% |
| #17 | Chadd Stefanides | 1247846 | Lennar Mortgage, LLC | 1058 | Irving, TX | $1.9M | 9 | 42.9% |
| #17 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $4.5M | 9 | 81.8% |
| #17 | Karin Rios | 782322 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $1.2M | 9 | 36.0% |
| #17 | Walter Gallipeau | 334625 | PrimeLending, A PlainsCapital Company | 13649 | Plano, TX | $6.3M | 9 | 75.0% |
| #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 | Shavano Park, TX | $2.8M | 8 | 18.6% |
| #22 | Donald Gothard | 207618 | Highlands Residential Mortgage, Ltd. | 134871 | Allen, TX | $1.8M | 8 | 40.0% |
| #22 | Ashlynn Kelso | 1074888 | Residential Wholesale Mortgage, Inc. | 79445 | Georgetown, TX | $4.2M | 8 | 50.0% |
| #22 | Connie Buckhalter | 716713 | First Community Credit Union | 217251 | Houston, TX | $943K | 8 | 80.0% |
| #22 | Desa Monroe | 1459828 | Rave Financial Credit Union | 403069 | Beaumont, TX | $927K | 8 | 38.1% |
| #22 | Michael Davis | 1855056 | New American Funding, LLC | 6606 | Houston, TX | $1.3M | 8 | 80.0% |
| #22 | Mary Barnes | 266574 | Citizens National Bank at Brownwood | 405710 | — | $1.4M | 8 | 80.0% |
| #22 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $4.2M | 8 | 66.7% |
| #22 | Eva Gomez | 774639 | SOFI BANK, NATIONAL ASSOCIATION | 696891 | Cottonwood Heights, UT | $1.5M | 8 | 72.7% |
| #33 | Ronald Valdez | 184407 | First Bank | 583439 | Plano, TX | $3.6M | 7 | 58.3% |
| #33 | Gina Gonzalez | 217569 | TEXAS NATIONAL BANK | 518308 | Mercedes, TX | $1.7M | 7 | 58.3% |
| #33 | Destini Bowling | 608394 | CMG Mortgage, Inc. | 1820 | Tyler, TX | $1.6M | 7 | 38.9% |
| #33 | Ryan Stalmach | 1648408 | Wings Credit Union | 405466 | Colorado Springs, CO | $1.1M | 7 | 31.8% |
| #33 | Cheryl Lowe | 562124 | Educators Credit Union | 402398 | Waco, TX | $674K | 7 | 70.0% |
| #33 | Rodney Anderson | 196730 | NFM Lending, LLC | 2893 | Highland Village, TX | $3.2M | 7 | 28.0% |
| #33 | Linda Corea | 259593 | loanDepot.com, LLC | 174457 | Grapevine, TX | $1.8M | 7 | 63.6% |
| #33 | Gregory Jackson | 464142 | Extraco Banks, National Association | 454564 | Temple, TX | $3.0M | 7 | 70.0% |
| #33 | Carrie Pontikas | 712150 | AMOCO Federal Credit Union | 408167 | Texas City, TX | $1.4M | 7 | 53.8% |
| #33 | James Hurst | 323441 | Hurst Real Estate, Inc. | 267051 | Dallas, TX | $2.8M | 7 | 41.2% |
| #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 | Gustavo Garza | 1381812 | Generations Community Federal Credit Union | 409298 | Castle Hills, TX | $942K | 7 | 33.3% |
| #33 | Brian Vander Plaats | 841917 | Network Funding, L.P. | 2297 | Dallas, TX | $1.5M | 7 | 31.8% |
| #33 | Matthew Vest | 185595 | loanDepot.com, LLC | 174457 | Houston, TX | $1.6M | 7 | 53.8% |
| #48 | Ellen Schuler | 409880 | CMG Mortgage, Inc. | 1820 | Shavano Park, TX | $2.8M | 6 | 26.1% |
| #48 | Josh Allyn | 213245 | CMG Mortgage, Inc. | 1820 | Spring, TX | $1.0M | 6 | 25.0% |
| #48 | DAVID MEDRANO | 568150 | Fifth Third Bank, National Association | 403245 | Cincinnati, OH | $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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2023
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