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 May 28, 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 | $58.2M | 116 | 75.8% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $50.8M | 106 | 72.1% |
| #3 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $21.1M | 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 | $11.2M | 41 | 53.2% |
| #6 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $18.6M | 40 | 65.6% |
| #7 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $16.9M | 35 | 66.0% |
| #7 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $29.3M | 35 | 44.3% |
| #9 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $10.0M | 32 | 18.8% |
| #10 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $11.8M | 31 | 40.8% |
| #10 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $9.2M | 31 | 43.7% |
| #12 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $12.5M | 30 | 62.5% |
| #13 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $13.3M | 29 | 55.8% |
| #14 | JORDAN WARREN | 1560207 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $10.8M | 24 | 66.7% |
| #15 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $10.0M | 22 | 53.7% |
| #16 | VENKATARAMANA MALAPATI | 1584622 | MVR Mortgage Company LLC | 2126883 | Charlotte, NC | $9.7M | 21 | 75.0% |
| #16 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.9M | 21 | 84.0% |
| #18 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.6M | 20 | 55.6% |
| #18 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $11.3M | 20 | 46.5% |
| #20 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $7.9M | 19 | 17.6% |
| #20 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $9.6M | 19 | 73.1% |
| #22 | Whitney Bulbrook | 48522 | Carolina Ventures Mortgage, LLC | 1032518 | Chapel Hill, NC | $9.4M | 18 | 40.9% |
| #22 | Matthew Fitzgerald | 84897 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $9.9M | 18 | 54.5% |
| #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 | 17.3% |
| #24 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $4.6M | 17 | 45.9% |
| #24 | Tammi Rowe | 117643 | Movement Mortgage, LLC | 39179 | Raleigh, NC | $7.4M | 17 | 56.7% |
| #28 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.7M | 16 | 80.0% |
| #29 | Allyson Cain | 1944301 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Lexington, NC | $3.7M | 15 | 42.9% |
| #29 | Matthew Doyle | 1657942 | Guild Mortgage Company LLC | 3274 | Cornelius, NC | $4.4M | 15 | 78.9% |
| #29 | Roger Moore | 69364 | Loan Pronto, Inc. | 1661781 | Austin, TX | $10.0M | 15 | 65.2% |
| #29 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $6.6M | 15 | 26.3% |
| #29 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $8.6M | 15 | 65.2% |
| #29 | David Bermeo | 847283 | Movement Mortgage, LLC | 39179 | Cary, NC | $6.1M | 15 | 88.2% |
| #29 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $8.2M | 15 | 18.3% |
| #29 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $10.1M | 15 | 68.2% |
| #29 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $15.7M | 15 | 55.6% |
| #38 | Andrew Wilfong | 397908 | Neighborhood Lender, Inc. | 69349 | Charlotte, NC | $5.8M | 14 | 45.2% |
| #38 | Lorri Hoffman | 105066 | Movement Mortgage, LLC | 39179 | Cornelius, NC | $5.2M | 14 | 24.6% |
| #38 | Paul Norment | 179773 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $7.1M | 14 | 48.3% |
| #38 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $6.9M | 14 | 66.7% |
| #42 | Katie Teed | 838384 | The Fidelity Bank | 402136 | Cary, NC | $8.5M | 13 | 61.9% |
| #42 | Mary Evers | 117968 | T2 Financial LLC | 1686046 | Raleigh, NC | $5.1M | 13 | 32.5% |
| #42 | James Nesbit | 76308 | First-Citizens Bank & Trust Company | 503941 | Pinehurst, NC | $9.4M | 13 | 59.1% |
| #42 | JAMES TERRY | 455169 | Guaranteed Rate, Inc. | 2611 | Wilmington, NC | $4.1M | 13 | 50.0% |
| #42 | Donna Bishop | 505118 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.3M | 13 | 65.0% |
| #42 | Garrick West | 81089 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $4.6M | 13 | 54.2% |
| #42 | Dawson Early | 2034654 | Plum Dog Financial, LLC | 58590 | Asheville, NC | $3.9M | 13 | 81.3% |
| #42 | Eric Gillespie | 1325664 | Intercoastal Mortgage, LLC | 56323 | Greensboro, NC | $5.2M | 13 | 59.1% |
| #42 | Eric Baldwin | 78944 | Alcova Mortgage LLC | 40508 | Greenville, NC | $6.0M | 13 | 52.0% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units/2025
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