Retention champions in Texas in 2024, 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 Biju paul (Prime Choice Lending Inc., NMLS #337511), Ami Padhiar (Jatayu Loans LLC, NMLS #1023994), and Patricia Newby (US Mortgage Corporation, NMLS #194741).
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 | Biju paul | 337511 | Prime Choice Lending Inc. | 1441287 | Plano, TX | $16.9M | 33 | 44.6% |
| #2 | Ami Padhiar | 1023994 | Jatayu Loans LLC | 2055341 | Irving, TX | $15.7M | 29 | 85.3% |
| #3 | Patricia Newby | 194741 | US Mortgage Corporation | 3901 | Frisco, TX | $11.4M | 26 | 51.0% |
| #4 | Joel Mathew | 1542142 | Champions Processing Solutions LLC | 2622219 | Houston, TX | $10.5M | 24 | 41.4% |
| #5 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $11.2M | 22 | 64.7% |
| #5 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $11.5M | 22 | 73.3% |
| #5 | Joseph Kralik | 251080 | Alcova Mortgage LLC | 40508 | Austin, TX | $8.2M | 22 | 61.1% |
| #5 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $13.6M | 22 | 88.0% |
| #9 | Dustin Nates | 228815 | Mutual of Omaha Mortgage, Inc. | 1025894 | Belton, TX | $7.3M | 20 | 60.6% |
| #10 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $8.1M | 19 | 63.3% |
| #10 | James Hurst | 323441 | Hurst Real Estate, Inc. | 267051 | Dallas, TX | $8.7M | 19 | 86.4% |
| #12 | Zhiyong Zhang | 1728008 | iPlus Mortgage Inc | 2851298 | Houston, TX | $8.7M | 17 | 85.0% |
| #12 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $5.9M | 17 | 44.7% |
| #14 | Darin Gustafson | 1000596 | Mortgage Solutions of Colorado, LLC | 61602 | Colorado Springs, CO | $5.0M | 15 | 100.0% |
| #14 | Sharon Campbell | 2035212 | MortgageOne, Inc. | 898812 | Carlsbad, CA | $5.0M | 15 | 75.0% |
| #16 | Denise Donoghue | 513250 | NRD Lending LLC | 2829543 | Dallas, TX | $6.9M | 14 | 31.8% |
| #16 | Kathy Allen | 509715 | University Federal Credit Union | 441215 | Austin, TX | $2.2M | 14 | 48.3% |
| #16 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $8.1M | 14 | 82.4% |
| #16 | Josh Allyn | 213245 | New American Funding, LLC | 6606 | Austin, TX | $2.9M | 14 | 42.4% |
| #16 | Justin Ardoyno | 892163 | PrimeLending, A PlainsCapital Company | 13649 | Abilene, TX | $4.8M | 14 | 35.9% |
| #16 | Jared Robbins | 1134032 | MortgageOne, Inc. | 898812 | Franklin, TN | $3.8M | 14 | 63.6% |
| #16 | Christopher Planto | 223084 | Guaranteed Rate, Inc. | 2611 | Houston, TX | $7.7M | 14 | 63.6% |
| #23 | Mark Harris | 113814 | Guild Mortgage Company LLC | 3274 | San Antonio, TX | $4.5M | 13 | 41.9% |
| #23 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.4M | 13 | 52.0% |
| #23 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $3.7M | 13 | 31.7% |
| #23 | Jeffery Jannasch | 169224 | American Portfolio Mortgage Corporation | 175656 | Dallas, TX | $5.5M | 13 | 46.4% |
| #23 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $6.5M | 13 | 68.4% |
| #28 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $5.9M | 12 | 63.2% |
| #28 | Jacob Emmel | 716383 | American Financial Network, Inc. | 237341 | Plano, TX | $6.7M | 12 | 63.2% |
| #28 | Justin Hill | 2009477 | Eagle Mortgage Advisors, LLC | 872948 | Gunter, TX | $4.8M | 12 | 60.0% |
| #28 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $6.7M | 12 | 92.3% |
| #28 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $5.2M | 12 | 41.4% |
| #28 | Kathryn Volkman | 297348 | Guild Mortgage Company LLC | 3274 | Burleson, TX | $3.8M | 12 | 57.1% |
| #34 | Robert Stern | 220207 | Mortgage Solutions of Colorado, LLC | 61602 | Addison, TX | $3.5M | 11 | 57.9% |
| #34 | Erica Robles | 794315 | Education Credit Union | 729181 | — | $1.7M | 11 | 61.1% |
| #34 | Stacey Cobb | 197411 | NFM Lending, LLC | 2893 | Highland Village, TX | $2.6M | 11 | 36.7% |
| #34 | Pamela Henry | 350135 | Pamela M. Henry LLC | 1400814 | Houston, TX | $2.0M | 11 | 100.0% |
| #34 | Miguel Rosinski | 1828298 | Mortgage Research Center, LLC | 1907 | San Antonio, TX | $3.8M | 11 | 55.0% |
| #34 | Jackye Chapa | 955341 | Texas Trust Credit Union | 402846 | Grand Prairie, TX | $1.9M | 11 | 50.0% |
| #34 | Monica Buth | 1443554 | FIRST CENTRAL CREDIT UNION | 779833 | Waco, TX | $644K | 11 | 84.6% |
| #34 | Craig Smith | 2013931 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $4.0M | 11 | 57.9% |
| #34 | Francis Brandt | 498846 | Planet Home Lending, LLC | 17022 | Irving, TX | $3.7M | 11 | 52.4% |
| #34 | Jamie Cooley | 1044127 | Fairway Independent Mortgage Corporation | 2289 | Temple, TX | $3.5M | 11 | 31.4% |
| #34 | Luke Walker | 2044418 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $3.6M | 11 | 91.7% |
| #34 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $5.1M | 11 | 40.7% |
| #34 | Jason Dickson | 190052 | Nuwave Lending LLC | 1722624 | Grapevine, TX | $3.5M | 11 | 57.9% |
| #47 | Sarah Hocher | 462452 | Capitol Credit Union | 707628 | Austin, TX | $1.8M | 10 | 76.9% |
| #47 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $3.7M | 10 | 43.5% |
| #47 | Albert Dimoush | 305846 | Reliance Loan Funding, LLC | 904728 | — | $444K | 10 | 50.0% |
| #47 | Matthew Breston | 249828 | Iron Harbor Mortgage LLC | 349828 | Austin, TX | $4.1M | 10 | 62.5% |
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 (2024). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2024
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