Retention champions in Texas this year, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Biju paul (Prime Choice Lending Inc., NMLS #337511), Joel Mathew (Champions Processing Solutions LLC, NMLS #1542142), and Ami Padhiar (Jatayu Loans LLC, NMLS #1023994).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Biju paul | 337511 | Prime Choice Lending Inc. | 1441287 | Plano, TX | $48.9M | 97 | 60.6% |
| #2 | Joel Mathew | 1542142 | Champions Processing Solutions LLC | 2622219 | Houston, TX | $39.4M | 82 | 57.3% |
| #3 | Ami Padhiar | 1023994 | Jatayu Loans LLC | 2055341 | Irving, TX | $27.4M | 54 | 72.0% |
| #4 | Renju Raj | 1536747 | Texas First Mortgage LLC | 2419924 | Richmond, TX | $20.0M | 45 | 76.3% |
| #5 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $17.5M | 34 | 46.6% |
| #6 | nan ZHOU | 1474713 | Lending Dream LLC | 2272387 | Austin, TX | $12.1M | 31 | 86.1% |
| #7 | Ajay Kamboj | 341849 | Ellemstar Mortgage LLC | 2467231 | Cedar Park, TX | $13.9M | 27 | 81.8% |
| #8 | Brian McCauley | 208803 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $19.9M | 25 | 51.0% |
| #8 | Hua Gu | 1496461 | 5Star Lending LLC | 2526632 | Plano, TX | $9.5M | 25 | 73.5% |
| #10 | Ki-ho Chung | 270067 | Western Mortgage Corporation | 328188 | Houston, TX | $10.3M | 22 | 95.7% |
| #11 | Venkata Rajaneesh Jandhyam | 2142434 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $12.2M | 20 | 74.1% |
| #11 | YANG CAO | 247154 | WINTEX GROUP LLC | 302340 | Plano, TX | $8.2M | 20 | 74.1% |
| #13 | Gabriel Winslow | 1613381 | C2 Financial Corporation | 135622 | San Diego, CA | $11.3M | 19 | 86.4% |
| #13 | KESHA VARDHAN KONDAM | 2586315 | The Hill Mortgage Company | 2004973 | Troy, MI | $9.6M | 19 | 86.4% |
| #15 | Srinivas Nimmagadda | 2563647 | SI Mortgage Company | 68434 | Sterling Heights, MI | $8.7M | 18 | 72.0% |
| #15 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $8.8M | 18 | 72.0% |
| #15 | Michael Greco | 624465 | Greco Financial Services, LLC | 2283673 | Celina, TX | $8.4M | 18 | 81.8% |
| #18 | Krishna chaitanya kadaru | 1168294 | Kadlogic, Inc. | 1456732 | Southlake, TX | $10.2M | 17 | 73.9% |
| #18 | Yinan Sun | 322282 | AAXY L.L.C. | 275971 | Austin, TX | $8.7M | 17 | 48.6% |
| #18 | Jackson Thomas | 1190420 | CrossCountry Mortgage, LLC | 3029 | Dallas, TX | $7.7M | 17 | 53.1% |
| #18 | Naveen Cheedhalla | 2666486 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $11.4M | 17 | 89.5% |
| #22 | Alexander Varela | 184823 | Neighborhood Loans, Inc. | 222982 | Southlake, TX | $4.9M | 16 | 38.1% |
| #22 | Walid Elibiary | 452849 | Aspire Mortgage Advisors LLC | 2617555 | Plano, TX | $6.8M | 16 | 45.7% |
| #22 | Sesha Giri Gorantla | 2279013 | QUICK LEND MORTGAGE LLC | 2688617 | Irving, TX | $8.6M | 16 | 88.9% |
| #22 | SIVA POTHIREDDY | 1976381 | Maha Lending LLC | 2380263 | Leander, TX | $9.6M | 16 | 84.2% |
| #26 | Shaoli Huang | 310910 | WINTEX GROUP LLC | 302340 | Plano, TX | $7.3M | 15 | 38.5% |
| #26 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $6.5M | 15 | 30.0% |
| #26 | venkata alla | 2083614 | DREAMHOMELENDING LLC | 2779500 | Lewisville, TX | $7.6M | 15 | 71.4% |
| #29 | Suresh Pulivarthi | 2526983 | SSLP Mortgage LLC | 2536125 | Frisco, TX | $7.0M | 14 | 73.7% |
| #29 | Major Singleton | 2011623 | Edge Home Finance, LLC | 891464 | Arlington, TX | $6.7M | 14 | 77.8% |
| #29 | John Hager | 1416273 | First Horizon Bank | 472329 | Dallas, TX | $7.9M | 14 | 58.3% |
| #29 | majid kamalipour | 301888 | Texas Financial Resource Management, Inc. | 298423 | Dallas, TX | $7.1M | 14 | 56.0% |
| #29 | zhiyong zhang | 1728008 | Loan Factory, Inc. | 320841 | Houston, TX | $6.4M | 14 | 60.9% |
| #34 | Evelyn Garcia | 2060136 | RALLY CREDIT UNION | 500822 | Corpus Christi, TX | $2.4M | 13 | 72.2% |
| #35 | Michael Dickstein | 419436 | First Horizon Bank | 472329 | Dallas, TX | $9.0M | 12 | 50.0% |
| #35 | Jennifer Sims | 1604780 | SWBC Mortgage Corporation | 9741 | Woodway, TX | $4.4M | 12 | 75.0% |
| #35 | Chien-Ming Pi-Young | 270061 | Top One Mortgage L.L.C. | 257832 | Houston, TX | $5.2M | 12 | 44.4% |
| #35 | Sai Vivek Boddu | 2331676 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $7.6M | 12 | 70.6% |
| #35 | Nash Paradise | 325515 | UMortgage LLC | 1457759 | Coppell, TX | $4.7M | 12 | 70.6% |
| #35 | Tami Channel | 333134 | C&T Mortgage, Inc | 1231852 | Cypress, TX | $5.1M | 12 | 70.6% |
| #35 | Timothy Herman | 1833596 | UpEquity SPV2 LLC | 2101265 | Austin, TX | $5.6M | 12 | 46.2% |
| #35 | Jonathan Doddridge | 657641 | Watermark Capital, Inc. | 1838 | Southlake, TX | $8.3M | 12 | 70.6% |
| #35 | BEN COHEN | 2055037 | HOME OF MORTGAGE LLC | 2366735 | Dallas, TX | $7.5M | 12 | 85.7% |
| #35 | Abey Abraham | 1113702 | FIRST STEP MORTGAGE, LLC | 1898998 | Missouri City, TX | $6.6M | 12 | 66.7% |
| #35 | Thomas Sherman | 188788 | Ark-La-Tex Financial Services, LLC | 2143 | McKinney, TX | $5.4M | 12 | 40.0% |
| #35 | Nolan Kitkoski | 1638438 | Texas Mortgage Supply, LLC | 2571607 | Spring, TX | $4.8M | 12 | 75.0% |
| #47 | Justin Padron | 1661929 | Better Mortgage Corporation | 330511 | Southlake, TX | $6.6M | 11 | 55.0% |
| #47 | Andrew Butler | 803225 | First Bank | 583439 | Aledo, TX | $9.4M | 11 | 47.8% |
| #47 | Leslie Bergen | 383352 | Lower, LLC | 1124061 | El Paso, TX | $3.2M | 11 | 40.7% |
| #47 | MEGAN CLOUD | 774331 | V.I.P. Mortgage, Inc. | 145502 | San Antonio, TX | $4.2M | 11 | 47.8% |