Leading rookies in Texas in 2024, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Oriana Reyes (Cayetano Development, LLC, NMLS #2429114), Yazmin Leal Alanis (Cayetano Development, LLC, NMLS #2421855), and Efrain Cayama (Cayetano Development, LLC, NMLS #2611744).
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 | 2024 Volume | 2024 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Oriana Reyes | 2429114 | Cayetano Development, LLC | 1667528 | Dale, TX | $31.7M | 176 | $180K |
| #2 | Yazmin Leal Alanis | 2421855 | Cayetano Development, LLC | 1667528 | Dale, TX | $20.9M | 159 | $132K |
| #3 | Efrain Cayama | 2611744 | Cayetano Development, LLC | 1667528 | — | $9.8M | 70 | $140K |
| #3 | Kristin Stephens | 2528992 | Inspire Home Loans Inc. | 1564276 | Newport Beach, CA | $19.0M | 70 | $271K |
| #5 | Jessica Wright | 2412924 | DHI MORTGAGE COMPANY, LTD. | 14622 | Corpus Christi, TX | $15.8M | 56 | $282K |
| #6 | Merrick Moriel | 2579994 | Pulte Mortgage LLC | 1791 | Denver, CO | $15.9M | 42 | $378K |
| #7 | Curtis Russell | 2039024 | Lakeview Loan Servicing, LLC | 391521 | Coral Gables, FL | $15.0M | 39 | $385K |
| #8 | Syed Babar Niazi | 2550992 | Guidance Residential, LLC | 2908 | Houston, TX | $11.1M | 33 | $335K |
| #8 | Lucas Hartley | 255313 | Lennar Mortgage, LLC | 1058 | Irving, TX | $8.2M | 33 | $249K |
| #10 | Sreelakshmi Jasti | 2565439 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $15.1M | 29 | $520K |
| #10 | Scott Biggs | 2580131 | Pulte Mortgage LLC | 1791 | Denver, CO | $10.7M | 29 | $369K |
| #12 | Jose Olivares Neaves | 2589940 | Frost Bank | 431208 | San Antonio, TX | $3.2M | 27 | $118K |
| #12 | KESHA VARDHAN KONDAM | 2586315 | The Hill Mortgage Company | 2004973 | Troy, MI | $13.9M | 27 | $515K |
| #14 | Valerie Curnutte | 2590013 | Frost Bank | 431208 | San Antonio, TX | $2.7M | 26 | $103K |
| #15 | Ricardo Ornelas Limon | 1929198 | Hometown Lending Inc | 2712965 | Dallas, TX | $5.7M | 24 | $239K |
| #16 | Karla Nelson | 1943777 | Integrity Home Mortgage Corporation | 208516 | McAllen, TX | $7.0M | 23 | $303K |
| #17 | Daniela Rincon | 2287742 | New American Funding, LLC | 6606 | Houston, TX | $5.4M | 22 | $247K |
| #18 | Suzanne Castillo | 2564935 | Fairway Independent Mortgage Corporation | 2289 | San Antonio, TX | $5.0M | 21 | $239K |
| #18 | Edwin Cisneros | 2549722 | CrossCountry Mortgage, LLC | 3029 | Edinburg, TX | $5.4M | 21 | $256K |
| #20 | Chase Timko | 2561064 | PennyMac Loan Services, LLC | 35953 | — | $4.1M | 20 | $207K |
| #21 | Craig Smith | 2391114 | Tomo Mortgage, LLC | 2059741 | New York, NY | $7.3M | 19 | $382K |
| #21 | NIcole Ribbing | 2605564 | First Horizon Bank | 472329 | Houston, TX | $2.8M | 19 | $146K |
| #23 | Jake Zastrow | 2617249 | Pulte Mortgage LLC | 1791 | Denver, CO | $5.6M | 18 | $311K |
| #23 | venkateshwara rao vempati | 2527385 | LendNext Mortgage Corporation | 2114216 | Prosper, TX | $9.7M | 18 | $541K |
| #23 | Miguel Gonzalez | 278963 | Texas Trust Mortgage LLC | 2564732 | San Marcos, TX | $7.9M | 18 | $440K |
| #23 | Tres Bien Adams | 2531828 | CrossCountry Mortgage, LLC | 3029 | San Antonio, TX | $6.4M | 18 | $355K |
| #27 | Jasmine Mendoza | 2472527 | CrossCountry Mortgage, LLC | 3029 | Edinburg, TX | $3.5M | 17 | $209K |
| #27 | Connor Boulton | 2580540 | Village Capital & Investment LLC | 3317 | Draper, UT | $5.9M | 17 | $349K |
| #27 | Vivian Rubio | 2552049 | TAILORED LENDING LLC | 2534270 | El Paso, TX | $5.7M | 17 | $333K |
| #30 | Qian Zhang | 2562596 | SureChoice Lending LLC | 2615863 | Plano, TX | $6.8M | 16 | $428K |
| #30 | Christian Perez Palacios | 2566738 | Frost Bank | 431208 | Houston, TX | $2.6M | 16 | $162K |
| #30 | Mary Smith | 2596945 | Lennar Mortgage, LLC | 1058 | — | $3.2M | 16 | $200K |
| #30 | Jugal Prajapati | 2266351 | Simplex Lending LLC | 2092138 | Fulshear, TX | $6.3M | 16 | $395K |
| #30 | Jaqueline Kaney | 2567159 | SUNFLOWER BANK, NATIONAL ASSOCIATION | 709491 | El Paso, TX | $4.1M | 16 | $257K |
| #35 | JoLynn Sutton | 2609042 | First United Bank and Trust Company | 400025 | — | $4.7M | 15 | $314K |
| #35 | Jon Locklin | 2594724 | FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK | 402924 | Killeen, TX | $6.0M | 15 | $399K |
| #35 | Luis Caballero Luna | 2449206 | Fairway Independent Mortgage Corporation | 2289 | Brownsville, TX | $2.6M | 15 | $177K |
| #35 | Tyler Kamprath | 2556018 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $4.2M | 15 | $280K |
| #39 | Kasside Bryant | 2602034 | Navy Federal Credit Union | 399807 | Corpus Christi, TX | $4.1M | 14 | $296K |
| #39 | Marcela Galatis | 2603318 | Freedom Mortgage Corporation | 2767 | Boca Raton, FL | $4.8M | 14 | $343K |
| #39 | Casey Johnson | 2602035 | Navy Federal Credit Union | 399807 | — | $6.1M | 14 | $433K |
| #39 | DaVita Talbert | 2573706 | Fulton Bank, National Association | 485401 | — | $1.1M | 14 | $77K |
| #39 | Brandon Drummond | 2556068 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $3.1M | 14 | $220K |
| #39 | Gregory Studenny | 864201 | Onity Mortgage Corporation | 2726 | Plano, TX | $5.6M | 14 | $400K |
| #45 | Lacey Carlisle | 2378100 | AML Funding LLC | 1910591 | San Antonio, TX | $4.5M | 13 | $349K |
| #45 | Kale Brashears | 2614996 | RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 315545 | — | $2.8M | 13 | $215K |
| #45 | Alyssa Dudley | 2573704 | Capital One, National Association | 453156 | — | $1.2M | 13 | $95K |
| #45 | Bobbie Garza | 2606264 | Navy Federal Credit Union | 399807 | Corpus Christi, TX | $3.9M | 13 | $299K |
| #45 | Caden Coots | 2572192 | Canopy Mortgage, LLC | 1359687 | San Angelo, TX | $3.3M | 13 | $254K |
| #50 | Yliana Torres | 2597511 | Capital One, National Association | 453156 | — | $1.3M | 12 | $106K |
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. Leading Rookies by Loan Count — Texas (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-rookie-by-units/2024
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