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 October 9, 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 | $36.4M | 75 | 72.8% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $25.5M | 56 | 65.1% |
| #3 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $26.6M | 53 | 75.7% |
| #4 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $12.2M | 41 | 70.7% |
| #5 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $11.3M | 38 | 33.3% |
| #6 | William Mullinix | 116279 | New American Funding, LLC | 6606 | Charlotte, NC | $25.7M | 31 | 35.2% |
| #7 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $9.2M | 30 | 40.0% |
| #8 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $13.9M | 27 | 81.8% |
| #9 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $7.9M | 26 | 25.5% |
| #10 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $9.8M | 25 | 53.2% |
| #11 | Logan Martini | 1591485 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $14.1M | 24 | 52.2% |
| #12 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $12.6M | 23 | 24.5% |
| #13 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $11.0M | 22 | 64.7% |
| #14 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.7M | 18 | 52.9% |
| #14 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $9.8M | 18 | 22.8% |
| #16 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $14.7M | 17 | 60.7% |
| #16 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $9.9M | 17 | 81.0% |
| #16 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $7.0M | 17 | 33.3% |
| #16 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $7.5M | 17 | 31.5% |
| #20 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 72.7% |
| #20 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.3M | 16 | 42.1% |
| #20 | Jegadheesan Jayavel | 2686128 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $7.2M | 16 | 100.0% |
| #23 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $6.6M | 15 | 83.3% |
| #24 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $6.2M | 14 | 28.6% |
| #24 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.3M | 14 | 46.7% |
| #24 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $5.4M | 14 | 60.9% |
| #24 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $8.0M | 14 | 87.5% |
| #28 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $5.5M | 13 | 17.6% |
| #28 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $8.9M | 13 | 86.7% |
| #28 | John Norment | 115013 | First Community Mortgage, Inc. | 629700 | Raleigh, NC | $4.1M | 13 | 41.9% |
| #28 | Thomas Thuss | 69769 | CrossCountry Mortgage, LLC | 3029 | Lenoir, NC | $3.6M | 13 | 31.0% |
| #28 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.9M | 13 | 43.3% |
| #28 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 59.1% |
| #34 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $4.2M | 12 | 48.0% |
| #34 | Ashley McKenzie | 100776 | CrossCountry Mortgage, LLC | 3029 | Winston Salem, NC | $4.1M | 12 | 11.2% |
| #34 | Karen Dulmage | 485100 | NFM Lending, LLC | 2893 | Pinehurst, NC | $4.7M | 12 | 38.7% |
| #34 | Mohammad Shah | 1198498 | Trusted Mortgage Capital Inc | 2411952 | Irvine, CA | $4.3M | 12 | 70.6% |
| #38 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $4.2M | 11 | 16.7% |
| #38 | JORDAN WARREN | 1560207 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $4.9M | 11 | 61.1% |
| #38 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.5M | 11 | 61.1% |
| #38 | Joshua Goodson | 1569995 | New American Funding, LLC | 6606 | Raleigh, NC | $4.4M | 11 | 61.1% |
| #38 | Arthur Hooper | 2329701 | MPIRE FINANCIAL GROUP LLC | 2108504 | Orlando, FL | $3.8M | 11 | 57.9% |
| #38 | David Hartman | 79528 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 11 | 45.8% |
| #38 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.4M | 11 | 55.0% |
| #38 | Steven Hall | 2050588 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.5M | 11 | 64.7% |
| #38 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.9M | 11 | 45.8% |
| #38 | Marcus Hayes | 1431133 | Clear Point Home Loans LLC | 2473786 | Charlotte, NC | $4.0M | 11 | 91.7% |
| #38 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $7.4M | 11 | 37.9% |
| #38 | Johnathan Denha | 1622391 | Rapid Home Lending Inc. | 1798321 | Bingham Farms, MI | $3.2M | 11 | 35.5% |
| #38 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $3.5M | 11 | 29.7% |
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 October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units
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