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 July 13, 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 | $16.4M | 32 | 43.2% |
| #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 | 52.0% |
| #4 | Joel Mathew | 1542142 | Champions Processing Solutions LLC | 2622219 | Houston, TX | $10.2M | 23 | 39.7% |
| #5 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $13.6M | 22 | 88.0% |
| #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% |
| #9 | Dustin Nates | 228815 | Mutual of Omaha Mortgage, Inc. | 1025894 | Belton, TX | $7.3M | 20 | 62.5% |
| #10 | James Hurst | 323441 | Hurst Real Estate, Inc. | 267051 | Dallas, TX | $8.7M | 19 | 82.6% |
| #10 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $8.1M | 19 | 63.3% |
| #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 | Sharon Campbell | 2035212 | MortgageOne, Inc. | 898812 | Carlsbad, CA | $5.0M | 15 | 75.0% |
| #15 | Justin Ardoyno | 892163 | PrimeLending, A PlainsCapital Company | 13649 | Abilene, TX | $4.8M | 14 | 35.9% |
| #15 | Kathy Allen | 509715 | University Federal Credit Union | 441215 | Austin, TX | $2.2M | 14 | 48.3% |
| #15 | Josh Allyn | 213245 | CMG Mortgage, Inc. | 1820 | Spring, TX | $2.9M | 14 | 43.8% |
| #15 | Christopher Planto | 223084 | Guaranteed Rate, Inc. | 2611 | Houston, TX | $7.7M | 14 | 63.6% |
| #15 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $6.9M | 14 | 31.8% |
| #15 | Jared Robbins | 1134032 | MortgageOne, Inc. | 898812 | Franklin, TN | $3.8M | 14 | 63.6% |
| #15 | Darin Gustafson | 1000596 | Mortgage Solutions of Colorado, LLC | 61602 | Colorado Springs, CO | $4.5M | 14 | 100.0% |
| #22 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.4M | 13 | 52.0% |
| #22 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $6.5M | 13 | 68.4% |
| #22 | Mark Harris | 113814 | Guild Mortgage Company LLC | 3274 | San Antonio, TX | $4.5M | 13 | 41.9% |
| #22 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $3.7M | 13 | 31.7% |
| #22 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $6.8M | 13 | 86.7% |
| #27 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $5.2M | 12 | 41.4% |
| #27 | Jacob Emmel | 716383 | American Financial Network, Inc. | 237341 | Plano, TX | $6.7M | 12 | 63.2% |
| #27 | Stacey Cobb | 197411 | NFM Lending, LLC | 2893 | Highland Village, TX | $2.8M | 12 | 38.7% |
| #27 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $5.9M | 12 | 63.2% |
| #27 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $6.7M | 12 | 92.3% |
| #27 | Justin Hill | 2009477 | Eagle Mortgage Advisors, LLC | 872948 | Gunter, TX | $4.8M | 12 | 60.0% |
| #27 | Jeffery Jannasch | 169224 | American Portfolio Mortgage Corporation | 175656 | Dallas, TX | $5.0M | 12 | 42.9% |
| #34 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $5.1M | 11 | 40.7% |
| #34 | Kathryn Volkman | 297348 | Guild Mortgage Company LLC | 3274 | Burleson, TX | $3.6M | 11 | 55.0% |
| #34 | Monica Buth | 1443554 | FIRST CENTRAL CREDIT UNION | 779833 | Waco, TX | $644K | 11 | 84.6% |
| #34 | Jackye Chapa | 955341 | Texas Trust Credit Union | 402846 | Grand Prairie, TX | $1.9M | 11 | 50.0% |
| #34 | Luke Walker | 2044418 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $3.6M | 11 | 91.7% |
| #34 | Craig Smith | 2013931 | MortgageOne, Inc. | 898812 | Franklin, TN | $4.0M | 11 | 57.9% |
| #34 | Pamela Henry | 350135 | Pamela M. Henry LLC | 1400814 | Houston, TX | $2.0M | 11 | 100.0% |
| #34 | Francis Brandt | 498846 | Planet Home Lending, LLC | 17022 | Irving, TX | $3.7M | 11 | 52.4% |
| #34 | Jason Dickson | 190052 | Nuwave Lending LLC | 1722624 | Grapevine, TX | $3.5M | 11 | 57.9% |
| #34 | Jamie Cooley | 1044127 | Fairway Independent Mortgage Corporation | 2289 | Temple, TX | $3.5M | 11 | 31.4% |
| #34 | Erica Robles | 794315 | Education Credit Union | 729181 | — | $1.7M | 11 | 61.1% |
| #34 | Miguel Rosinski | 1828298 | Mortgage Research Center, LLC | 1907 | San Antonio, TX | $3.8M | 11 | 55.0% |
| #46 | Albert Dimoush | 305846 | Reliance Loan Funding, LLC | 904728 | — | $444K | 10 | 52.6% |
| #46 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $3.7M | 10 | 43.5% |
| #46 | Sarah Hocher | 462452 | Capitol Credit Union | 707628 | Austin, TX | $1.8M | 10 | 76.9% |
| #46 | Lilia Childers | 737172 | Amarillo National Bank | 644528 | Amarillo, TX | $4.2M | 10 | 58.8% |
| #46 | Timothy Potempa | 454708 | CrossCountry Mortgage, LLC | 3029 | Phoenix, AZ | $3.1M | 10 | 21.7% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2024
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