Retention champions in North Carolina in 2026, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 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 | $30.8M | 63 | 72.4% |
| #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 | $23.9M | 48 | 80.0% |
| #4 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.9M | 39 | 78.0% |
| #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 | 38.2% |
| #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 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $12.7M | 21 | 55.3% |
| #11 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $9.8M | 20 | 64.5% |
| #12 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $7.1M | 17 | 41.5% |
| #12 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.8M | 17 | 24.3% |
| #14 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 84.2% |
| #14 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.0M | 16 | 57.1% |
| #14 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $8.7M | 16 | 25.4% |
| #14 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 66.7% |
| #14 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.3M | 16 | 51.6% |
| #19 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $6.2M | 14 | 31.8% |
| #19 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $4.2M | 14 | 22.6% |
| #19 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #22 | Jegadheesan Jayavel | 2686128 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.9M | 13 | 100.0% |
| #22 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $6.4M | 13 | 29.5% |
| #22 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #22 | 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 | 15.8% |
| #26 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $4.7M | 12 | 92.3% |
| #26 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.7M | 12 | 46.2% |
| #29 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $3.5M | 11 | 40.7% |
| #29 | Arthur Hooper | 2329701 | MPIRE FINANCIAL GROUP LLC | 2108504 | Orlando, FL | $3.8M | 11 | 61.1% |
| #29 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $4.2M | 11 | 22.4% |
| #29 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 20.4% |
| #29 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.6M | 11 | 84.6% |
| #29 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.9M | 11 | 55.0% |
| #35 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #35 | Joseph Milam | 117399 | Alpha Mortgage Advantage LLC | 1860353 | Wilmington, NC | $4.0M | 10 | 30.3% |
| #35 | Mohammad Shah | 1198498 | Trusted Mortgage Capital Inc | 2411952 | Irvine, CA | $3.5M | 10 | 66.7% |
| #35 | Damayanti Jadhav | 2260414 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $3.9M | 10 | 83.3% |
| #35 | Donald Waters | 82361 | Fairway Independent Mortgage Corporation | 2289 | Clayton, NC | $4.0M | 10 | 35.7% |
| #35 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $2.7M | 10 | 50.0% |
| #35 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 66.7% |
| #35 | Marcus Hayes | 1431133 | Clear Point Home Loans LLC | 2473786 | Charlotte, NC | $3.8M | 10 | 90.9% |
| #35 | Sebastian Hajek | 2152339 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $3.2M | 10 | 83.3% |
| #35 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 66.7% |
| #35 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.7M | 10 | 76.9% |
| #35 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 62.5% |
| #35 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $5.4M | 10 | 66.7% |
| #35 | Matthew Doyle | 1657942 | Guild Mortgage Company LLC | 3274 | Cornelius, NC | $4.1M | 10 | 71.4% |
| #35 | David Hartman | 79528 | Movement Mortgage, LLC | 39179 | Cary, NC | $4.6M | 10 | 50.0% |
| #35 | 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 (2026). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units/2026
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