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 July 7, 2026, the top 3 include Joel Mathew (Champions Processing Solutions LLC, NMLS #1542142), Biju paul (Prime Choice Lending Inc., NMLS #337511), and Ami Padhiar (Jatayu Loans LLC, NMLS #1023994).
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 | $58.0M | 127 | 60.8% |
| #2 | Biju paul | 337511 | Prime Choice Lending Inc. | 1441287 | Plano, TX | $49.7M | 99 | 54.1% |
| #3 | Ami Padhiar | 1023994 | Jatayu Loans LLC | 2055341 | Irving, TX | $32.8M | 64 | 73.6% |
| #4 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $26.2M | 58 | 74.4% |
| #5 | Brian McCauley | 208803 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $23.4M | 27 | 49.1% |
| #6 | Naveen Cheedhalla | 2666486 | TRI VALLEY HOME LOANS LLC | 2114972 | Fair Oaks, CA | $21.3M | 33 | 89.2% |
| #7 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $21.2M | 34 | 73.9% |
| #8 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $20.5M | 40 | 48.8% |
| #9 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $19.1M | 29 | 90.6% |
| #10 | Venkata Rajaneesh Jandhyam | 2142434 | TRI VALLEY HOME LOANS LLC | 2114972 | Fair Oaks, CA | $16.9M | 29 | 65.9% |
| #11 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $15.0M | 30 | 78.9% |
| #12 | Michael Dickstein | 419436 | First Horizon Bank | 472329 | Dallas, TX | $14.4M | 17 | 54.8% |
| #13 | Ki-ho Chung | 270067 | Western Mortgage Corporation | 328188 | Houston, TX | $13.4M | 27 | 93.1% |
| #14 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $13.0M | 33 | 86.8% |
| #15 | KESHA VARDHAN KONDAM | 2586315 | The Hill Mortgage Company | 2004973 | Troy, MI | $12.7M | 25 | 83.3% |
| #16 | Srinivas Nimmagadda | 2563647 | SI Mortgage Company | 68434 | Sterling Heights, MI | $12.6M | 26 | 74.3% |
| #17 | Sesha Giri Gorantla | 2279013 | QUICK LEND MORTGAGE LLC | 2688617 | Irving, TX | $12.0M | 22 | 88.0% |
| #18 | SIVA POTHIREDDY | 1976381 | Maha Lending LLC | 2380263 | Leander, TX | $11.7M | 19 | 70.4% |
| #19 | Suresh Pulivarthi | 2526983 | SSLP Mortgage LLC | 2536125 | Frisco, TX | $11.3M | 23 | 82.1% |
| #20 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $10.8M | 13 | 48.1% |
| #21 | spiro petritsis | 409892 | Prosperity Bank | 466414 | Houston, TX | $10.3M | 7 | 28.0% |
| #22 | Hua Gu | 1496461 | 5Star Lending LLC | 2526632 | Plano, TX | $10.0M | 26 | 76.5% |
| #23 | venkata alla | 2083614 | DREAMHOMELENDING LLC | 2779500 | Lewisville, TX | $9.7M | 19 | 67.9% |
| #24 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $9.6M | 20 | 48.8% |
| #25 | Russell Laing | 393558 | Network Funding, L.P. | 2297 | Austin, TX | $9.6M | 10 | 40.0% |
| #26 | Abey Abraham | 1113702 | FIRST STEP MORTGAGE, LLC | 1898998 | Missouri City, TX | $9.5M | 17 | 63.0% |
| #27 | AARAV SAJAN | 2385324 | Champions Lending LLC | 1706471 | Houston, TX | $9.4M | 21 | 84.0% |
| #28 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $9.4M | 21 | 52.5% |
| #29 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $9.3M | 19 | 61.3% |
| #30 | Sai Vivek Boddu | 2331676 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $8.9M | 15 | 68.2% |
| #31 | majid kamalipour | 301888 | Texas Financial Resource Management, Inc. | 298423 | Dallas, TX | $8.9M | 18 | 58.1% |
| #32 | Sreelakshmi Jasti | 2565439 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $8.5M | 15 | 88.2% |
| #33 | Michael Greco | 624465 | Greco Financial Services, LLC | 2283673 | Celina, TX | $8.4M | 18 | 78.3% |
| #34 | George Mathews | 1935629 | Kenico Mortgage Services, Inc. | 1958068 | Troy, MI | $8.2M | 15 | 71.4% |
| #35 | YANG CAO | 247154 | WINTEX GROUP LLC | 302340 | Plano, TX | $8.2M | 20 | 76.9% |
| #36 | zhiyong zhang | 1728008 | iPlus Mortgage Inc | 2851298 | Houston, TX | $8.1M | 17 | 68.0% |
| #37 | Syed Ahmad | 357366 | Adelo Mortgage, Inc. | 248185 | Austin, TX | $8.1M | 10 | 43.5% |
| #38 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $7.9M | 13 | 48.1% |
| #39 | John Hager | 1416273 | First Horizon Bank | 472329 | Dallas, TX | $7.9M | 14 | 53.8% |
| #40 | Walid Elibiary | 452849 | Aspire Mortgage Advisors LLC | 2617555 | Plano, TX | $7.8M | 19 | 45.2% |
| #41 | Anthony Kruse | 419451 | First Horizon Bank | 472329 | Dallas, TX | $7.5M | 9 | 45.0% |
| #42 | Jonathan Doddridge | 657641 | Watermark Capital, Inc. | 1838 | Southlake, TX | $7.5M | 11 | 68.8% |
| #43 | Kristin Vaughan-Dail | 488313 | Guaranteed Rate, Inc. | 2611 | Dallas, TX | $7.4M | 8 | 61.5% |
| #44 | Zachary Kent | 1214281 | Highlands Residential Mortgage, Ltd. | 134871 | Allen, TX | $7.4M | 6 | 42.9% |
| #45 | Jacob Emmel | 716383 | American Financial Network, Inc. | 237341 | Plano, TX | $7.3M | 12 | 63.2% |
| #46 | Cody Reid | 218862 | Pilgrim Mortgage LLC | 225091 | Austin, TX | $7.3M | 10 | 40.0% |
| #47 | Shaoli Huang | 310910 | WINTEX GROUP LLC | 302340 | Plano, TX | $7.3M | 15 | 34.9% |
| #48 | Sterling Gordon | 1687199 | JPMorgan Chase Bank, National Association | 399798 | Dallas, TX | $7.2M | 7 | 70.0% |
| #49 | BEN COHEN | 2055037 | HOME OF MORTGAGE LLC | 2366735 | Dallas, TX | $7.2M | 12 | 80.0% |
| #50 | Cassandra Hurst | 234898 | The Huntington National Bank | 402436 | Houston, TX | $7.2M | 6 | 46.2% |
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 July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-volume
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