Retention champions in North Carolina in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), Chirag Rachhadia (VEMA MORTGAGE LLC, NMLS #1890628), and suneel kommireddy (Viva Lending Group LLC, NMLS #1846636).
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 | Vipul Hapani | 1891192 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $30.4M | 62 | 72.1% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $22.2M | 49 | 66.2% |
| #3 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $23.4M | 47 | 79.7% |
| #4 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.9M | 39 | 76.5% |
| #5 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $9.9M | 33 | 38.8% |
| #6 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $23.3M | 29 | 38.7% |
| #7 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $8.0M | 26 | 43.3% |
| #8 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $13.1M | 25 | 80.6% |
| #9 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $9.4M | 24 | 60.0% |
| #10 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $9.2M | 19 | 63.3% |
| #10 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $11.6M | 19 | 54.3% |
| #12 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 66.7% |
| #12 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.3M | 16 | 51.6% |
| #12 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $6.7M | 16 | 39.0% |
| #12 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.0M | 16 | 57.1% |
| #12 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.0M | 16 | 23.2% |
| #12 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 84.2% |
| #18 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $7.9M | 15 | 24.6% |
| #19 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #19 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $6.2M | 14 | 32.6% |
| #21 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $6.4M | 13 | 30.2% |
| #21 | Jegadheesan Jayavel | 2686128 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.9M | 13 | 100.0% |
| #21 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #21 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $3.9M | 13 | 22.0% |
| #21 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $5.1M | 13 | 68.4% |
| #26 | Ashley McKenzie | 100776 | Highlands Residential Mortgage, Ltd. | 134871 | Winston Salem, NC | $4.1M | 12 | 16.4% |
| #26 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.7M | 12 | 46.2% |
| #28 | Arthur Hooper | 2329701 | MPIRE FINANCIAL GROUP LLC | 2108504 | Orlando, FL | $3.8M | 11 | 61.1% |
| #28 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $4.4M | 11 | 84.6% |
| #28 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.6M | 11 | 84.6% |
| #28 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $3.5M | 11 | 40.7% |
| #28 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 20.4% |
| #33 | Sebastian Hajek | 2152339 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $3.2M | 10 | 83.3% |
| #33 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $4.9M | 10 | 66.7% |
| #33 | Mohammad Shah | 1198498 | Trusted Mortgage Capital Inc | 2411952 | Irvine, CA | $3.5M | 10 | 66.7% |
| #33 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $2.7M | 10 | 50.0% |
| #33 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 66.7% |
| #33 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.7M | 10 | 37.0% |
| #33 | Karen Dulmage | 485100 | NFM Lending, LLC | 2893 | Pinehurst, NC | $4.2M | 10 | 47.6% |
| #33 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.7M | 10 | 76.9% |
| #33 | Damayanti Jadhav | 2260414 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $3.9M | 10 | 83.3% |
| #33 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 66.7% |
| #33 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $5.4M | 10 | 71.4% |
| #33 | Joseph Milam | 117399 | Alpha Mortgage Advantage LLC | 1860353 | Wilmington, NC | $4.0M | 10 | 30.3% |
| #33 | Donald Waters | 82361 | Fairway Independent Mortgage Corporation | 2289 | Clayton, NC | $4.0M | 10 | 37.0% |
| #33 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 62.5% |
| #33 | Marcus Hayes | 1431133 | Clear Point Home Loans LLC | 2473786 | Charlotte, NC | $3.8M | 10 | 90.9% |
| #33 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #33 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $3.9M | 10 | 21.7% |
| #33 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $4.3M | 10 | 55.6% |
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 Loan Count — North Carolina. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units
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