Leading rookies in Texas in 2026, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Misael Ramos (PennyMac Loan Services, LLC, NMLS #2785399), Aubrei Dowdy (Public Employees Credit Union, NMLS #2815566), and Meredith Nwankwo (Olive Branch Home Loans, LLC, NMLS #2788044).
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 | 2026 Volume | 2026 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Misael Ramos | 2785399 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $3.1M | 11 | $282K |
| #2 | Aubrei Dowdy | 2815566 | Public Employees Credit Union | 568855 | Austin, TX | $528K | 10 | $53K |
| #3 | Meredith Nwankwo | 2788044 | Olive Branch Home Loans, LLC | 2500551 | Lubbock, TX | $1.8M | 8 | $219K |
| #4 | Kyle Javier | 2781983 | Tomo Mortgage, LLC | 2059741 | New York, NY | $3.0M | 7 | $435K |
| #5 | Holly Najvar | 2776454 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $2.4M | 6 | $408K |
| #5 | Derick Benitez | 2734285 | PennyMac Loan Services, LLC | 35953 | Carrollton, TX | $1.7M | 6 | $289K |
| #5 | William Ketchum | 2767540 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $1.6M | 6 | $271K |
| #8 | Ketch Gannon | 2757756 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $1.7M | 5 | $338K |
| #8 | Faith Milenewicz | 2713596 | C2 Financial Corporation | 135622 | San Diego, CA | $3.1M | 5 | $615K |
| #8 | Madeline Pirrello | 2781978 | Tomo Mortgage, LLC | 2059741 | New York, NY | $1.9M | 5 | $384K |
| #11 | Shannon Elwell | 2804194 | East Texas Professional Credit Union | 402355 | Longview, TX | $316K | 4 | $79K |
| #11 | Jesus Pujol | 2774381 | Clarity Lending LLC | 2527964 | Plano, TX | $1.8M | 4 | $446K |
| #11 | UDUAK AMASI NKALARI | 2424801 | Mortgage Funding Solutions, LLC | 1972934 | Garland, TX | $1.9M | 4 | $472K |
| #11 | Muthu Subramaniam | 2781760 | Subramaniam Realty LLC | 2793218 | Carrollton, TX | $911K | 4 | $228K |
| #11 | Sean Dibsy | 2236623 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $1.9M | 4 | $474K |
| #11 | Jake Parker | 2763475 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $1.4M | 4 | $345K |
| #11 | Jonathan Nguyen | 2784835 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $705K | 4 | $176K |
| #11 | Sri harsha Grandhi | 2770565 | VVR LOANS INC | 2020635 | San Antonio, TX | $1.8M | 4 | $438K |
| #11 | Quinton Scheuermann | 2792396 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $985K | 4 | $246K |
| #20 | Matthew Meenzhuber | 2792421 | loanDepot.com, LLC | 174457 | Irvine, CA | $422K | 3 | $141K |
| #20 | Omid Golnabi | 2649181 | HOMEBOUND LOANS INCORPORATED | 1829248 | Arlington, TX | $1.7M | 3 | $568K |
| #20 | SHATOYA MALVEAUX | 2773507 | Loan Factory, Inc. | 320841 | San Jose, CA | $1.0M | 3 | $346K |
| #20 | Andria Bambenek | 2705775 | loanDepot.com, LLC | 174457 | Chandler, AZ | $473K | 3 | $158K |
| #20 | Michael Barreiro | 2783221 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $813K | 3 | $271K |
| #20 | Gabriel De Freitas Medina | 2778392 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $1.3M | 3 | $419K |
| #20 | Peyton Leonard | 2789953 | Olive Branch Home Loans, LLC | 2500551 | Lubbock, TX | $535K | 3 | $178K |
| #20 | Matthew Schubert | 2778914 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $1.4M | 3 | $471K |
| #28 | Caelen Arreola | 2784817 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $1.2M | 2 | $601K |
| #28 | Michelle Younan | 2189864 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $317K | 2 | $158K |
| #28 | Evvyn Leonard | 2684278 | PennyMac Loan Services, LLC | 35953 | Franklin, TN | $565K | 2 | $282K |
| #28 | Urusa Umatiya | 2778015 | Champions Lending LLC | 1706471 | Houston, TX | $1.5M | 2 | $726K |
| #28 | Matthew Martinez | 2780230 | PennyMac Loan Services, LLC | 35953 | Carrollton, TX | $766K | 2 | $383K |
| #28 | Mercedes Brown | 2736622 | UMortgage LLC | 1457759 | Philadelphia, PA | $368K | 2 | $184K |
| #28 | Julian Sanchez | 2738067 | RJ Financial Services Inc. | 222266 | San Antonio, TX | $665K | 2 | $333K |
| #28 | Dustin Putt | 2764844 | PennyMac Loan Services, LLC | 35953 | Franklin, TN | $656K | 2 | $328K |
| #28 | Aldrish Jimenez Yanez | 2791185 | loanDepot.com, LLC | 174457 | Irvine, CA | $617K | 2 | $309K |
| #28 | Thuy Phan | 2802211 | Texans Credit Union | 530654 | Richardson, TX | $114K | 2 | $57K |
| #28 | Kenneth Roberts | 2772414 | Fairway Independent Mortgage Corporation | 2289 | Abilene, TX | $581K | 2 | $290K |
| #28 | Bindia Sukumar | 2659517 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $873K | 2 | $437K |
| #28 | Michael Gunderson | 2801442 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $330K | 2 | $165K |
| #28 | Zane Lee | 2795734 | loanDepot.com, LLC | 174457 | Irvine, CA | $542K | 2 | $271K |
| #28 | Christopher Czernek | 2799927 | BTB Holdings, LLC | 2577520 | Lago Vista, TX | $569K | 2 | $285K |
| #28 | Mason Sommers | 2767464 | Royal United Mortgage LLC | 13390 | — | $211K | 2 | $106K |
| #28 | Elijah Nevarez | 2655331 | T2 Financial LLC | 1686046 | Tucson, AZ | $722K | 2 | $361K |
| #28 | Hediberto Munoz Gauna | 2748871 | Movement Mortgage, LLC | 39179 | McAllen, TX | $510K | 2 | $255K |
| #28 | Abigail Wright | 2758179 | loanDepot.com, LLC | 174457 | Southfield, MI | $220K | 2 | $110K |
| #28 | Zalkifl Zahir | 2801586 | Guidance Residential, LLC | 2908 | Houston, TX | $626K | 2 | $313K |
| #28 | King Evangelista | 2775420 | loanDepot.com, LLC | 174457 | Irvine, CA | $180K | 2 | $90K |
| #28 | JOSE BURGOS-VARGAS | 2777286 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $312K | 2 | $156K |
| #28 | Logan O'Keefe | 2781671 | Tomo Mortgage, LLC | 2059741 | New York, NY | $589K | 2 | $295K |
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 (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/texas/top-rookie-by-units/2026
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