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 October 11, 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 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $9.8M | 18 | 22.8% |
| #14 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.7M | 18 | 52.9% |
| #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% |
| #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% |
| #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 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $8.0M | 14 | 87.5% |
| #24 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $5.4M | 14 | 60.9% |
| #24 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.3M | 14 | 46.7% |
| #28 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $5.5M | 13 | 17.6% |
| #28 | John Norment | 115013 | First Community Mortgage, Inc. | 629700 | Raleigh, NC | $4.1M | 13 | 41.9% |
| #28 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $8.9M | 13 | 86.7% |
| #28 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.9M | 13 | 43.3% |
| #28 | Thomas Thuss | 69769 | CrossCountry Mortgage, LLC | 3029 | Lenoir, NC | $3.6M | 13 | 31.0% |
| #28 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 59.1% |
| #34 | Karen Dulmage | 485100 | NFM Lending, LLC | 2893 | Pinehurst, NC | $4.7M | 12 | 38.7% |
| #34 | Ashley McKenzie | 100776 | CrossCountry Mortgage, LLC | 3029 | Winston Salem, NC | $4.1M | 12 | 11.2% |
| #34 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $4.2M | 12 | 48.0% |
| #34 | Mohammad Shah | 1198498 | Trusted Mortgage Capital Inc | 2411952 | Irvine, CA | $4.3M | 12 | 70.6% |
| #38 | Arthur Hooper | 2329701 | MPIRE FINANCIAL GROUP LLC | 2108504 | Orlando, FL | $3.8M | 11 | 57.9% |
| #38 | Steven Hall | 2050588 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.5M | 11 | 64.7% |
| #38 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $3.5M | 11 | 29.7% |
| #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 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.9M | 11 | 45.8% |
| #38 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.4M | 11 | 55.0% |
| #38 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $7.4M | 11 | 37.9% |
| #38 | Joshua Goodson | 1569995 | New American Funding, LLC | 6606 | Raleigh, NC | $4.4M | 11 | 61.1% |
| #38 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $4.2M | 11 | 16.7% |
| #38 | David Hartman | 79528 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 11 | 45.8% |
| #38 | Johnathan Denha | 1622391 | Rapid Home Lending Inc. | 1798321 | Bingham Farms, MI | $3.2M | 11 | 35.5% |
| #38 | Marcus Hayes | 1431133 | Clear Point Home Loans LLC | 2473786 | Charlotte, NC | $4.0M | 11 | 91.7% |
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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units/2026
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