Retention champions in Texas in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 9, 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 | Brian McCauley | 208803 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $32.7M | 39 | 52.7% |
| #6 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $26.5M | 43 | 78.2% |
| #7 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $22.6M | 43 | 45.7% |
| #8 | Naveen Cheedhalla | 2666486 | KEY2NEST HOME LOANS LLC | 2819804 | Prosper, TX | $22.4M | 35 | 83.3% |
| #9 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $21.8M | 35 | 89.7% |
| #10 | Venkata Rajaneesh Jandhyam | 2142434 | KEY2NEST HOME LOANS LLC | 2819804 | Fair Oaks, CA | $18.5M | 33 | 62.3% |
| #11 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $17.0M | 33 | 71.7% |
| #12 | SIVA POTHIREDDY | 1976381 | Maha Lending LLC | 2380263 | Leander, TX | $16.6M | 29 | 72.5% |
| #13 | Sesha Giri Gorantla | 2279013 | QUICK LEND MORTGAGE LLC | 2688617 | Irving, TX | $15.6M | 28 | 87.5% |
| #14 | AARAV SAJAN | 2385324 | Champions Lending LLC | 1706471 | Houston, TX | $15.3M | 34 | 87.2% |
| #15 | Ki-ho Chung | 270067 | Western Mortgage Corporation | 328188 | Houston, TX | $15.3M | 31 | 93.9% |
| #16 | Srinivas Nimmagadda | 2563647 | SI Mortgage Company | 68434 | Sterling Heights, MI | $15.1M | 31 | 72.1% |
| #17 | KESHA VARDHAN KONDAM | 2586315 | The Hill Mortgage Company | 2004973 | Troy, MI | $15.1M | 29 | 82.9% |
| #18 | Michael Dickstein | 419436 | First Horizon Bank | 472329 | Dallas, TX | $14.4M | 17 | 48.6% |
| #19 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $13.7M | 34 | 82.9% |
| #20 | Mark Goodwin | 543312 | The Federal Savings Bank | 411500 | Southlake, TX | $13.6M | 13 | 23.2% |
| #21 | George Mathews | 1935629 | Kenico Mortgage Services, Inc. | 1958068 | Troy, MI | $13.1M | 24 | 80.0% |
| #22 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $13.1M | 15 | 41.7% |
| #23 | Abey Abraham | 1113702 | FIRST STEP MORTGAGE, LLC | 1898998 | Missouri City, TX | $13.0M | 24 | 61.5% |
| #24 | venkata alla | 2083614 | DREAMHOMELENDING LLC | 2779500 | Lewisville, TX | $12.6M | 25 | 73.5% |
| #25 | Sreenath Putta | 1732590 | LendNext Mortgage Corporation | 2114216 | Prosper, TX | $12.5M | 23 | 67.6% |
| #26 | Suresh Pulivarthi | 2526983 | SSLP Mortgage LLC | 2536125 | Frisco, TX | $12.2M | 25 | 83.3% |
| #27 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $11.8M | 25 | 49.0% |
| #28 | Syed Ahmad | 357366 | Adelo Mortgage, Inc. | 248185 | Austin, TX | $11.0M | 15 | 45.5% |
| #29 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $10.8M | 21 | 56.8% |
| #30 | majid kamalipour | 301888 | Texas Financial Resource Management, Inc. | 298423 | Dallas, TX | $10.6M | 21 | 56.8% |
| #31 | spiro petritsis | 409892 | Prosperity Bank | 466414 | Houston, TX | $10.6M | 8 | 28.6% |
| #32 | Sreelakshmi Jasti | 2565439 | TRI VALLEY HOME LOANS LLC | 2114972 | Prosper, TX | $10.5M | 18 | 85.7% |
| #33 | Russell Laing | 393558 | Network Funding, L.P. | 2297 | Austin, TX | $10.4M | 13 | 44.8% |
| #34 | Hua Gu | 1496461 | 5Star Lending LLC | 2526632 | Plano, TX | $10.0M | 26 | 78.8% |
| #35 | Christine Recio | 1156677 | Security Service Federal Credit Union | 458903 | San Antonio, TX | $10.0M | 18 | 39.1% |
| #36 | Sai Vivek Boddu | 2331676 | KEY2NEST HOME LOANS LLC | 2819804 | Prosper, TX | $10.0M | 17 | 70.8% |
| #37 | Harding McEldowney | 367214 | Fifth Third Bank, National Association | 403245 | San Antonio, TX | $9.8M | 8 | 80.0% |
| #38 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $9.6M | 20 | 40.8% |
| #39 | Anthony Kruse | 419451 | First Horizon Bank | 472329 | Dallas, TX | $9.5M | 13 | 48.1% |
| #40 | Zhiyong Zhang | 1728008 | iPlus Mortgage Inc | 2851298 | Houston, TX | $9.5M | 20 | 69.0% |
| #41 | Walid Elibiary | 452849 | Aspire Mortgage Advisors LLC | 2617555 | Plano, TX | $9.5M | 23 | 42.6% |
| #42 | Rohit Chaturvedi | 1063910 | Blink Mortgage LLC | 2354881 | Sugar Land, TX | $9.0M | 18 | 81.8% |
| #43 | Michael Hawkins | 469118 | First United Bank and Trust Company | 400025 | McKinney, TX | $8.9M | 2 | 14.3% |
| #44 | Michael Greco | 624465 | Greco Financial Services, LLC | 2283673 | Celina, TX | $8.9M | 19 | 79.2% |
| #45 | Aryan Jafarzadeh | 1989264 | Hometown Lending Inc | 2712965 | Dallas, TX | $8.7M | 17 | 48.6% |
| #46 | Major Singleton | 2011623 | Edge Home Finance, LLC | 891464 | Arlington, TX | $8.7M | 18 | 75.0% |
| #47 | Savitha Rameshkumar | 2603023 | Bestow Mortgage LLC | 2682285 | Little Elm, TX | $8.5M | 16 | 44.4% |
| #48 | Jacob Emmel | 716383 | American Financial Network, Inc. | 237341 | Plano, TX | $8.4M | 14 | 58.3% |
| #49 | Timothy Herman | 1833596 | UpEquity SPV2 LLC | 2101265 | Austin, TX | $8.4M | 19 | 38.8% |
| #50 | YANG CAO | 247154 | WINTEX GROUP LLC | 302340 | Plano, TX | $8.2M | 20 | 69.0% |
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 Volume — Texas. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-volume
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