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 August 27, 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 | $33.0M | 67 | 70.5% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $23.2M | 52 | 65.0% |
| #3 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $23.9M | 48 | 76.2% |
| #4 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $12.0M | 40 | 74.1% |
| #5 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $11.3M | 38 | 37.6% |
| #6 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $25.7M | 31 | 37.8% |
| #7 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $8.7M | 28 | 40.6% |
| #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 | 57.1% |
| #10 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $13.2M | 22 | 52.4% |
| #11 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $10.5M | 21 | 63.6% |
| #12 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $11.2M | 20 | 24.7% |
| #13 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $7.1M | 17 | 34.0% |
| #13 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $4.8M | 17 | 20.7% |
| #15 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.3M | 16 | 45.7% |
| #15 | Jegadheesan Jayavel | 2686128 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $7.2M | 16 | 100.0% |
| #15 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 66.7% |
| #15 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 80.0% |
| #15 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $8.7M | 16 | 23.5% |
| #15 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.0M | 16 | 53.3% |
| #21 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $9.0M | 15 | 78.9% |
| #21 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $6.9M | 15 | 30.0% |
| #23 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $5.8M | 14 | 93.3% |
| #23 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $6.2M | 14 | 30.4% |
| #25 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $5.5M | 13 | 20.6% |
| #25 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $5.1M | 13 | 61.9% |
| #25 | Thomas Thuss | 69769 | CrossCountry Mortgage, LLC | 3029 | Lenoir, NC | $3.6M | 13 | 43.3% |
| #25 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.9M | 13 | 44.8% |
| #25 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $7.5M | 13 | 86.7% |
| #25 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 59.1% |
| #31 | Ashley McKenzie | 100776 | Highlands Residential Mortgage, Ltd. | 134871 | Winston Salem, NC | $4.1M | 12 | 13.0% |
| #32 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $3.7M | 11 | 52.4% |
| #32 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.4M | 11 | 57.9% |
| #32 | Arthur Hooper | 2329701 | MPIRE FINANCIAL GROUP LLC | 2108504 | Orlando, FL | $3.8M | 11 | 57.9% |
| #32 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $4.2M | 11 | 20.8% |
| #32 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $3.5M | 11 | 35.5% |
| #32 | Karen Dulmage | 485100 | NFM Lending, LLC | 2893 | Pinehurst, NC | $4.5M | 11 | 37.9% |
| #32 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.9M | 11 | 50.0% |
| #39 | Joseph Milam | 117399 | Alpha Mortgage Advantage LLC | 1860353 | Wilmington, NC | $4.0M | 10 | 27.0% |
| #39 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 66.7% |
| #39 | Johnathan Denha | 1622391 | Rapid Home Lending Inc. | 1798321 | Bingham Farms, MI | $3.0M | 10 | 33.3% |
| #39 | Donald Waters | 82361 | Fairway Independent Mortgage Corporation | 2289 | Clayton, NC | $4.0M | 10 | 35.7% |
| #39 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 62.5% |
| #39 | Marcus Hayes | 1431133 | Clear Point Home Loans LLC | 2473786 | Charlotte, NC | $3.8M | 10 | 90.9% |
| #39 | Mohammad Shah | 1198498 | Trusted Mortgage Capital Inc | 2411952 | Irvine, CA | $3.5M | 10 | 66.7% |
| #39 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $4.3M | 10 | 55.6% |
| #39 | Joshua Goodson | 1569995 | New American Funding, LLC | 6606 | Raleigh, NC | $4.2M | 10 | 66.7% |
| #39 | Damayanti Jadhav | 2260414 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $3.9M | 10 | 76.9% |
| #39 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 62.5% |
| #39 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $5.4M | 10 | 66.7% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units/2026
Powered by ChatMMI