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 May 28, 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 | $15.0M | 29 | 39.2% |
| #1 | 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% |
| #4 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $12.1M | 23 | 76.7% |
| #6 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $13.6M | 22 | 88.0% |
| #6 | Joseph Kralik | 251080 | Alcova Mortgage LLC | 40508 | Austin, TX | $8.2M | 22 | 61.1% |
| #8 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $10.6M | 21 | 63.6% |
| #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% |
| #11 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $7.6M | 18 | 62.1% |
| #12 | zhiyong zhang | 1728008 | Loan Factory, Inc. | 320841 | Houston, TX | $8.4M | 16 | 84.2% |
| #13 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $5.4M | 15 | 41.7% |
| #13 | Sharon Campbell | 2035212 | MortgageOne, Inc. | 898812 | Carlsbad, CA | $5.0M | 15 | 75.0% |
| #15 | Kathy Allen | 509715 | University Federal Credit Union | 441215 | Austin, TX | $2.2M | 14 | 48.3% |
| #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% |
| #15 | Christopher Planto | 223084 | Guaranteed Rate, Inc. | 2611 | Houston, TX | $7.7M | 14 | 66.7% |
| #15 | Josh Allyn | 213245 | CMG Mortgage, Inc. | 1820 | Spring, TX | $2.9M | 14 | 43.8% |
| #15 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $6.9M | 14 | 32.6% |
| #21 | Mark Harris | 113814 | Guild Mortgage Company LLC | 3274 | San Antonio, TX | $4.5M | 13 | 41.9% |
| #21 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $6.8M | 13 | 86.7% |
| #21 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.4M | 13 | 52.0% |
| #21 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $3.7M | 13 | 32.5% |
| #21 | Justin Ardoyno | 892163 | PrimeLending, A PlainsCapital Company | 13649 | Abilene, TX | $4.6M | 13 | 35.1% |
| #26 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $6.3M | 12 | 66.7% |
| #26 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $5.9M | 12 | 63.2% |
| #26 | Jacob Emmel | 716383 | American Financial Network, Inc. | 237341 | Plano, TX | $6.7M | 12 | 63.2% |
| #26 | Jeffery Jannasch | 169224 | American Portfolio Mortgage Corporation | 175656 | Dallas, TX | $5.0M | 12 | 42.9% |
| #26 | Stacey Cobb | 197411 | NFM Lending, LLC | 2893 | Highland Village, TX | $2.8M | 12 | 38.7% |
| #26 | Justin Hill | 2009477 | Eagle Mortgage Advisors, LLC | 872948 | Gunter, TX | $4.8M | 12 | 60.0% |
| #26 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $5.2M | 12 | 41.4% |
| #33 | Craig Smith | 2013931 | MortgageOne, Inc. | 898812 | Franklin, TN | $4.0M | 11 | 57.9% |
| #33 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $5.1M | 11 | 40.7% |
| #33 | Jackye Chapa | 955341 | Texas Trust Credit Union | 402846 | Grand Prairie, TX | $1.9M | 11 | 50.0% |
| #33 | Francis Brandt | 498846 | Planet Home Lending, LLC | 17022 | Irving, TX | $3.7M | 11 | 52.4% |
| #33 | Jason Dickson | 190052 | Nuwave Lending LLC | 1722624 | Grapevine, TX | $3.5M | 11 | 61.1% |
| #33 | Pamela Henry | 350135 | Pamela M. Henry LLC | 1400814 | Houston, TX | $2.0M | 11 | 100.0% |
| #33 | Monica Buth | 1443554 | FIRST CENTRAL CREDIT UNION | 779833 | Waco, TX | $644K | 11 | 84.6% |
| #33 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $6.1M | 11 | 91.7% |
| #33 | Kathryn Volkman | 297348 | Guild Mortgage Company LLC | 3274 | Burleson, TX | $3.6M | 11 | 55.0% |
| #33 | Jamie Cooley | 1044127 | Fairway Independent Mortgage Corporation | 2289 | Temple, TX | $3.5M | 11 | 33.3% |
| #33 | Erica Robles | 794315 | Education Credit Union | 729181 | — | $1.7M | 11 | 61.1% |
| #44 | Cody Carrasquillo | 1541138 | DIRECTIONS EQUITY, LLC | 214519 | San Antonio, TX | $3.7M | 10 | 35.7% |
| #44 | Lilia Childers | 737172 | Amarillo National Bank | 644528 | Amarillo, TX | $4.2M | 10 | 58.8% |
| #44 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $5.1M | 10 | 52.6% |
| #44 | Cory Barsch | 204975 | American Portfolio Mortgage Corporation | 175656 | Dallas, TX | $5.1M | 10 | 50.0% |
| #44 | Luke Walker | 2044418 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $2.9M | 10 | 90.9% |
| #44 | Miguel Rosinski | 1828298 | Mortgage Research Center, LLC | 1907 | San Antonio, TX | $3.5M | 10 | 52.6% |
| #44 | Mitesh Koirala | 1707604 | Karma Mortgage LLC | 2134746 | Euless, TX | $4.6M | 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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2024
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