Retention champions in Texas in 2024, ranked by total volume. 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 Gabriel Winslow (C2 Financial Corporation, NMLS #1613381).
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 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $13.6M | 22 | 88.0% |
| #4 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $11.5M | 22 | 73.3% |
| #5 | Patricia Newby | 194741 | US Mortgage Corporation | 3901 | Frisco, TX | $11.4M | 26 | 52.0% |
| #6 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $11.2M | 22 | 64.7% |
| #7 | Shane Masterman | 231190 | Guaranteed Rate, Inc. | 2611 | Dallas, TX | $10.3M | 7 | 46.7% |
| #8 | Joel Mathew | 1542142 | Champions Processing Solutions LLC | 2622219 | Houston, TX | $10.2M | 23 | 39.7% |
| #9 | James Hurst | 323441 | Hurst Real Estate, Inc. | 267051 | Dallas, TX | $8.7M | 19 | 82.6% |
| #10 | zhiyong zhang | 1728008 | iPlus Mortgage Inc | 2851298 | Houston, TX | $8.7M | 17 | 85.0% |
| #11 | Joseph Kralik | 251080 | Alcova Mortgage LLC | 40508 | Austin, TX | $8.2M | 22 | 61.1% |
| #12 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $8.1M | 19 | 63.3% |
| #13 | Patton Gade | 1243024 | CrossCountry Mortgage, LLC | 3029 | Scottsdale, AZ | $8.1M | 9 | 81.8% |
| #14 | Christopher Planto | 223084 | Guaranteed Rate, Inc. | 2611 | Houston, TX | $7.7M | 14 | 63.6% |
| #15 | Cari Bullington | 1144235 | City Bank | 439822 | College Station, TX | $7.4M | 7 | 53.8% |
| #16 | Keary Turner | 543322 | BOKF, National Association | 403501 | Plano, TX | $7.4M | 7 | 70.0% |
| #17 | Anthony Kruse | 419451 | First Horizon Bank | 472329 | Dallas, TX | $7.3M | 6 | 50.0% |
| #18 | Dustin Nates | 228815 | Mutual of Omaha Mortgage, Inc. | 1025894 | Belton, TX | $7.3M | 20 | 62.5% |
| #19 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $6.9M | 14 | 31.8% |
| #20 | DAVID MEDRANO | 568150 | Fifth Third Bank, National Association | 403245 | Cincinnati, OH | $6.8M | 9 | 34.6% |
| #21 | Jo Crozier | 215976 | Gateway First Bank | 7233 | Granbury, TX | $6.8M | 13 | 86.7% |
| #22 | Jacob Emmel | 716383 | American Financial Network, Inc. | 237341 | Plano, TX | $6.7M | 12 | 63.2% |
| #23 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $6.7M | 12 | 92.3% |
| #24 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $6.5M | 13 | 68.4% |
| #25 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.4M | 13 | 52.0% |
| #26 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $5.9M | 12 | 63.2% |
| #27 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $5.9M | 17 | 44.7% |
| #28 | Angela Brad | 427581 | JPMorgan Chase Bank, National Association | 399798 | Frisco, TX | $5.9M | 5 | 11.1% |
| #29 | Tanja Allen | 255202 | CMG Mortgage, Inc. | 1820 | Austin, TX | $5.4M | 7 | 13.7% |
| #30 | Shaoli Huang | 310910 | WINTEX GROUP LLC | 302340 | Plano, TX | $5.4M | 9 | 34.6% |
| #31 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $5.2M | 12 | 41.4% |
| #32 | Zachary Kent | 1214281 | Highlands Residential Mortgage, Ltd. | 134871 | Allen, TX | $5.2M | 7 | 53.8% |
| #33 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $5.1M | 11 | 40.7% |
| #34 | Aamir Lalani | 1644038 | Aamir Mortgage LLC | 2482417 | The Colony, TX | $5.1M | 9 | 69.2% |
| #35 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $5.1M | 10 | 52.6% |
| #36 | PARTHASARTHY RAJARATHINAM | 2074776 | Baba Lending LLC | 2447756 | Irving, TX | $5.1M | 9 | 56.3% |
| #37 | Cory Barsch | 204975 | American Portfolio Mortgage Corporation | 175656 | Dallas, TX | $5.1M | 10 | 50.0% |
| #38 | Jeffery Jannasch | 169224 | American Portfolio Mortgage Corporation | 175656 | Dallas, TX | $5.0M | 12 | 42.9% |
| #39 | Sharon Campbell | 2035212 | MortgageOne, Inc. | 898812 | Carlsbad, CA | $5.0M | 15 | 75.0% |
| #40 | GREGORY REICHEL | 617462 | Standard Mortgage Corporation | 44912 | Dallas, TX | $4.9M | 7 | 63.6% |
| #41 | Justin Ardoyno | 892163 | PrimeLending, A PlainsCapital Company | 13649 | Abilene, TX | $4.8M | 14 | 35.9% |
| #42 | Justin Hill | 2009477 | Eagle Mortgage Advisors, LLC | 872948 | Gunter, TX | $4.8M | 12 | 60.0% |
| #43 | Kelly Decker | 119417 | First United Bank and Trust Company | 400025 | McKinney, TX | $4.7M | 5 | 50.0% |
| #44 | Mitesh Koirala | 1707604 | Karma Mortgage LLC | 2134746 | Euless, TX | $4.6M | 10 | 62.5% |
| #45 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.6M | 8 | 57.1% |
| #46 | Mark Harris | 113814 | Guild Mortgage Company LLC | 3274 | San Antonio, TX | $4.5M | 13 | 41.9% |
| #47 | John VanNoller | 863313 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $4.5M | 9 | 90.0% |
| #48 | Darin Gustafson | 1000596 | Mortgage Solutions of Colorado, LLC | 61602 | Colorado Springs, CO | $4.5M | 14 | 100.0% |
| #49 | Sreenath Putta | 1732590 | LendNext Mortgage Corporation | 2114216 | Prosper, TX | $4.4M | 8 | 61.5% |
| #50 | Lilia Childers | 737172 | Amarillo National Bank | 644528 | Amarillo, TX | $4.2M | 10 | 58.8% |
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 (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-volume/2024
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