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 May 28, 2026, the top 3 include Ami Padhiar (Jatayu Loans LLC, NMLS #1023994), Biju paul (Prime Choice Lending Inc., NMLS #337511), 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 | Ami Padhiar | 1023994 | Jatayu Loans LLC | 2055341 | Irving, TX | $15.7M | 29 | 85.3% |
| #2 | Biju paul | 337511 | Prime Choice Lending Inc. | 1441287 | Plano, TX | $15.0M | 29 | 39.2% |
| #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 | $12.1M | 23 | 76.7% |
| #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 | $10.6M | 21 | 63.6% |
| #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 | Loan Factory, Inc. | 320841 | Houston, TX | $8.4M | 16 | 84.2% |
| #11 | Joseph Kralik | 251080 | Alcova Mortgage LLC | 40508 | Austin, TX | $8.2M | 22 | 61.1% |
| #12 | Patton Gade | 1243024 | CrossCountry Mortgage, LLC | 3029 | Scottsdale, AZ | $8.1M | 9 | 81.8% |
| #13 | Christopher Planto | 223084 | Guaranteed Rate, Inc. | 2611 | Houston, TX | $7.7M | 14 | 66.7% |
| #14 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $7.6M | 18 | 62.1% |
| #15 | Cari Bullington | 1144235 | City Bank | 439822 | College Station, TX | $7.4M | 7 | 53.8% |
| #16 | Keary Turner | 543322 | BOKF, National Association | 403501 | Coppell, 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 | 32.6% |
| #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 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $6.4M | 13 | 52.0% |
| #24 | Bhargav Vasavada | 1461966 | Simplex Lending LLC | 2092138 | Saint Louis, MO | $6.3M | 12 | 66.7% |
| #25 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $6.1M | 11 | 91.7% |
| #26 | Jerrett Morris | 184226 | US Mortgage Corporation | 3901 | Dallas, TX | $5.9M | 12 | 63.2% |
| #27 | Angela Brad | 427581 | JPMorgan Chase Bank, National Association | 399798 | Frisco, TX | $5.9M | 5 | 11.1% |
| #28 | Tanja Allen | 255202 | Fairway Independent Mortgage Corporation | 2289 | Harker Heights, TX | $5.4M | 7 | 14.3% |
| #29 | Shaoli Huang | 310910 | WINTEX GROUP LLC | 302340 | Plano, TX | $5.4M | 9 | 34.6% |
| #30 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $5.4M | 15 | 41.7% |
| #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 Hill | 2009477 | Eagle Mortgage Advisors, LLC | 872948 | Gunter, TX | $4.8M | 12 | 60.0% |
| #42 | Kelly Decker | 119417 | First United Bank and Trust Company | 400025 | McKinney, TX | $4.7M | 5 | 50.0% |
| #43 | Mitesh Koirala | 1707604 | Karma Mortgage LLC | 2134746 | Euless, TX | $4.6M | 10 | 62.5% |
| #44 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.6M | 8 | 57.1% |
| #45 | Justin Ardoyno | 892163 | PrimeLending, A PlainsCapital Company | 13649 | Abilene, TX | $4.6M | 13 | 35.1% |
| #46 | Mark Harris | 113814 | Guild Mortgage Company LLC | 3274 | San Antonio, TX | $4.5M | 13 | 41.9% |
| #47 | John VanNoller | 863313 | CrossCountry Mortgage, LLC | 3029 | Scottsdale, 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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-retention-by-volume/2024
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