Retention champions in North Carolina in 2025, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 11, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), Chirag Rachhadia (VEMA MORTGAGE LLC, NMLS #1890628), and Adam Workman (CrossCountry Mortgage, LLC, NMLS #128183).
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 | $59.2M | 118 | 77.1% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $51.0M | 107 | 72.8% |
| #3 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $21.2M | 66 | 39.8% |
| #4 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $28.5M | 56 | 65.1% |
| #5 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.6M | 42 | 54.5% |
| #6 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $18.6M | 40 | 64.5% |
| #7 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $17.1M | 35 | 66.0% |
| #7 | William Mullinix | 116279 | New American Funding, LLC | 6606 | Charlotte, NC | $29.3M | 35 | 44.3% |
| #9 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $10.8M | 34 | 18.9% |
| #10 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $11.8M | 31 | 41.3% |
| #10 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $9.2M | 31 | 42.5% |
| #12 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $12.5M | 30 | 62.5% |
| #12 | Logan Martini | 1591485 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $13.8M | 30 | 56.6% |
| #14 | JORDAN WARREN | 1560207 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $11.1M | 25 | 65.8% |
| #15 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $10.0M | 22 | 53.7% |
| #16 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.9M | 21 | 84.0% |
| #16 | VENKATARAMANA MALAPATI | 1584622 | MVR Mortgage Company LLC | 2126883 | Charlotte, NC | $9.7M | 21 | 75.0% |
| #16 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $11.9M | 21 | 46.7% |
| #19 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.6M | 20 | 55.6% |
| #20 | Whitney Bulbrook | 48522 | Carolina Ventures Mortgage, LLC | 1032518 | Chapel Hill, NC | $9.6M | 19 | 42.2% |
| #20 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $7.9M | 19 | 17.4% |
| #20 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $9.6M | 19 | 73.1% |
| #23 | Matthew Fitzgerald | 84897 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $9.9M | 18 | 54.5% |
| #24 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $9.0M | 17 | 81.0% |
| #24 | Tammi Rowe | 117643 | Movement Mortgage, LLC | 39179 | Raleigh, NC | $7.4M | 17 | 56.7% |
| #24 | Chad Fleener | 133146 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $11.0M | 17 | 60.7% |
| #24 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.9M | 17 | 17.0% |
| #28 | Roger Moore | 69364 | Loan Pronto, Inc. | 1661781 | Austin, TX | $10.3M | 16 | 69.6% |
| #28 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $4.5M | 16 | 44.4% |
| #30 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $10.1M | 15 | 71.4% |
| #30 | Paul Norment | 179773 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $7.5M | 15 | 50.0% |
| #30 | Matthew Doyle | 1657942 | Guild Mortgage Company LLC | 3274 | Cornelius, NC | $4.4M | 15 | 78.9% |
| #30 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $6.6M | 15 | 24.6% |
| #30 | David Bermeo | 847283 | Movement Mortgage, LLC | 39179 | Cary, NC | $6.1M | 15 | 83.3% |
| #30 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $8.2M | 15 | 17.4% |
| #30 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $8.6M | 15 | 65.2% |
| #30 | Allyson Cain | 1944301 | Canopy Mortgage, LLC | 1359687 | Lindon, UT | $3.7M | 15 | 41.7% |
| #30 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $15.7M | 15 | 55.6% |
| #39 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $6.9M | 14 | 66.7% |
| #39 | Andrew Wilfong | 397908 | Neighborhood Lender, Inc. | 69349 | Charlotte, NC | $5.8M | 14 | 45.2% |
| #39 | Lorri Hoffman | 105066 | Movement Mortgage, LLC | 39179 | Cornelius, NC | $5.2M | 14 | 24.6% |
| #42 | James Nesbit | 76308 | First-Citizens Bank & Trust Company | 503941 | Pinehurst, NC | $9.4M | 13 | 61.9% |
| #42 | Garrick West | 81089 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $4.6M | 13 | 52.0% |
| #42 | Eric Gillespie | 1325664 | Intercoastal Mortgage, LLC | 56323 | Greensboro, NC | $5.2M | 13 | 59.1% |
| #42 | Mary Evers | 117968 | T2 Financial LLC | 1686046 | Raleigh, NC | $5.1M | 13 | 32.5% |
| #42 | Katie Teed | 838384 | The Fidelity Bank | 402136 | Cary, NC | $8.5M | 13 | 61.9% |
| #42 | JAMES TERRY | 455169 | Guaranteed Rate, Inc. | 2611 | Wilmington, NC | $4.1M | 13 | 48.1% |
| #42 | Eric Baldwin | 78944 | Alcova Mortgage LLC | 40508 | Greenville, NC | $6.0M | 13 | 50.0% |
| #42 | Donna Bishop | 505118 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.3M | 13 | 65.0% |
| #50 | Roger Wolff | 118008 | LENDING RESOURCE GROUP INC. | 173711 | Asheville, NC | $4.7M | 12 | 48.0% |
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 (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units/2025
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