Retention champions in Texas in 2026, 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 Joel Mathew (Champions Processing Solutions LLC, NMLS #1542142), Biju paul (Prime Choice Lending Inc., NMLS #337511), and Renju Raj (Texas First Mortgage LLC, NMLS #1536747).
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 | Joel Mathew | 1542142 | Champions Processing Solutions LLC | 2622219 | Houston, TX | $87.8M | 190 | 63.8% |
| #2 | Biju paul | 337511 | Prime Choice Lending Inc. | 1441287 | Plano, TX | $50.7M | 101 | 50.0% |
| #3 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $44.3M | 94 | 74.6% |
| #4 | Ami Padhiar | 1023994 | Jatayu Loans LLC | 2055341 | Irving, TX | $38.7M | 76 | 73.1% |
| #5 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $26.5M | 43 | 78.2% |
| #5 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $22.6M | 43 | 45.7% |
| #7 | Brian McCauley | 208803 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $32.7M | 39 | 52.7% |
| #8 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $21.8M | 35 | 89.7% |
| #8 | Naveen Cheedhalla | 2666486 | KEY2NEST HOME LOANS LLC | 2819804 | Prosper, TX | $22.4M | 35 | 83.3% |
| #10 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $13.7M | 34 | 82.9% |
| #10 | AARAV SAJAN | 2385324 | Champions Lending LLC | 1706471 | Houston, TX | $15.3M | 34 | 87.2% |
| #12 | Venkata Rajaneesh Jandhyam | 2142434 | KEY2NEST HOME LOANS LLC | 2819804 | Fair Oaks, CA | $18.5M | 33 | 62.3% |
| #12 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $17.0M | 33 | 71.7% |
| #14 | Srinivas Nimmagadda | 2563647 | SI Mortgage Company | 68434 | Sterling Heights, MI | $15.1M | 31 | 72.1% |
| #14 | Ki-ho Chung | 270067 | Western Mortgage Corporation | 328188 | Houston, TX | $15.3M | 31 | 93.9% |
| #16 | KESHA VARDHAN KONDAM | 2586315 | The Hill Mortgage Company | 2004973 | Troy, MI | $15.1M | 29 | 82.9% |
| #16 | SIVA POTHIREDDY | 1976381 | Maha Lending LLC | 2380263 | Leander, TX | $16.6M | 29 | 72.5% |
| #18 | Sesha Giri Gorantla | 2279013 | QUICK LEND MORTGAGE LLC | 2688617 | Irving, TX | $15.6M | 28 | 87.5% |
| #19 | Hua Gu | 1496461 | 5Star Lending LLC | 2526632 | Plano, TX | $10.0M | 26 | 78.8% |
| #20 | Suresh Pulivarthi | 2526983 | SSLP Mortgage LLC | 2536125 | Frisco, TX | $12.2M | 25 | 83.3% |
| #20 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $11.8M | 25 | 49.0% |
| #20 | venkata alla | 2083614 | DREAMHOMELENDING LLC | 2779500 | Lewisville, TX | $12.6M | 25 | 73.5% |
| #23 | Abey Abraham | 1113702 | FIRST STEP MORTGAGE, LLC | 1898998 | Missouri City, TX | $13.0M | 24 | 61.5% |
| #23 | George Mathews | 1935629 | Kenico Mortgage Services, Inc. | 1958068 | Troy, MI | $13.1M | 24 | 80.0% |
| #25 | Walid Elibiary | 452849 | Aspire Mortgage Advisors LLC | 2617555 | Plano, TX | $9.5M | 23 | 42.6% |
| #25 | Sreenath Putta | 1732590 | LendNext Mortgage Corporation | 2114216 | Prosper, TX | $12.5M | 23 | 67.6% |
| #27 | majid kamalipour | 301888 | Texas Financial Resource Management, Inc. | 298423 | Dallas, TX | $10.6M | 21 | 56.8% |
| #27 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $10.8M | 21 | 56.8% |
| #29 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $9.6M | 20 | 40.8% |
| #29 | Cheryl Funk | 1622579 | HomeLight Home Loans, Inc. | 1529229 | Scottsdale, AZ | $4.3M | 20 | 45.5% |
| #29 | YANG CAO | 247154 | WINTEX GROUP LLC | 302340 | Plano, TX | $8.2M | 20 | 69.0% |
| #29 | Zhiyong Zhang | 1728008 | iPlus Mortgage Inc | 2851298 | Houston, TX | $9.5M | 20 | 69.0% |
| #33 | Michael Greco | 624465 | Greco Financial Services, LLC | 2283673 | Celina, TX | $8.9M | 19 | 79.2% |
| #33 | Timothy Herman | 1833596 | UpEquity SPV2 LLC | 2101265 | Austin, TX | $8.4M | 19 | 38.8% |
| #33 | Caleb Lutsch | 898469 | MortgageOne, Inc. | 898812 | Arlington, TX | $7.2M | 19 | 28.4% |
| #36 | Denise Donoghue | 513250 | NRD Lending LLC | 2829543 | Dallas, TX | $7.4M | 18 | 21.2% |
| #36 | Rohit Chaturvedi | 1063910 | Blink Mortgage LLC | 2354881 | Sugar Land, TX | $9.0M | 18 | 81.8% |
| #36 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $10.0M | 18 | 39.1% |
| #36 | Major Singleton | 2011623 | Edge Home Finance, LLC | 891464 | Arlington, TX | $8.7M | 18 | 75.0% |
| #36 | Sreelakshmi Jasti | 2565439 | TRI VALLEY HOME LOANS LLC | 2114972 | Prosper, TX | $10.5M | 18 | 85.7% |
| #41 | Kathy Allen | 509715 | University Federal Credit Union | 441215 | Austin, TX | $1.6M | 17 | 32.7% |
| #41 | Wesley Cohen | 258325 | Network Funding, L.P. | 2297 | Dallas, TX | $3.8M | 17 | 30.9% |
| #41 | Aryan Jafarzadeh | 1989264 | Hometown Lending Inc | 2712965 | Dallas, TX | $8.7M | 17 | 48.6% |
| #41 | Sai Vivek Boddu | 2331676 | KEY2NEST HOME LOANS LLC | 2819804 | Prosper, TX | $10.0M | 17 | 70.8% |
| #41 | Michael Dickstein | 419436 | First Horizon Bank | 472329 | Dallas, TX | $14.4M | 17 | 48.6% |
| #41 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $5.2M | 17 | 28.8% |
| #47 | Savitha Rameshkumar | 2603023 | Bestow Mortgage LLC | 2682285 | Little Elm, TX | $8.5M | 16 | 44.4% |
| #47 | Evelyn Garcia | 2060136 | RALLY CREDIT UNION | 500822 | Corpus Christi, TX | $3.5M | 16 | 66.7% |
| #47 | Srinivasa Arava | 1616614 | SECURELEND MORTGAGE LLC | 2082118 | Bullhead City, AZ | $7.5M | 16 | 76.2% |
| #47 | Shaoli Huang | 310910 | WINTEX GROUP LLC | 302340 | Plano, TX | $7.6M | 16 | 32.0% |
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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-units/2026
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