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 May 28, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), suneel kommireddy (Viva Lending Group LLC, NMLS #1846636), and Chirag Rachhadia (VEMA MORTGAGE LLC, NMLS #1890628).
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 | $27.7M | 57 | 72.2% |
| #2 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $22.7M | 45 | 78.9% |
| #3 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $19.9M | 44 | 65.7% |
| #4 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.0M | 37 | 80.4% |
| #5 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $9.2M | 30 | 42.9% |
| #6 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $23.3M | 29 | 43.9% |
| #7 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $7.4M | 24 | 44.4% |
| #8 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $9.0M | 23 | 63.9% |
| #9 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $11.6M | 22 | 81.5% |
| #10 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $11.0M | 18 | 56.3% |
| #11 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.2M | 16 | 55.2% |
| #11 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 88.9% |
| #11 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 72.7% |
| #14 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $7.4M | 15 | 57.7% |
| #14 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.6M | 15 | 24.6% |
| #16 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #16 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $5.1M | 14 | 53.8% |
| #18 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #18 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $4.6M | 13 | 35.1% |
| #20 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.7M | 12 | 50.0% |
| #20 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $5.5M | 12 | 33.3% |
| #20 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $4.5M | 12 | 75.0% |
| #20 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $6.5M | 12 | 23.5% |
| #20 | Ashley McKenzie | 100776 | Highlands Residential Mortgage, Ltd. | 134871 | Winston Salem, NC | $4.1M | 12 | 21.4% |
| #25 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 22.9% |
| #26 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $4.7M | 10 | 27.8% |
| #26 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.7M | 10 | 66.7% |
| #26 | Sebastian Hajek | 2152339 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $3.2M | 10 | 83.3% |
| #26 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.7M | 10 | 38.5% |
| #26 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $3.5M | 10 | 100.0% |
| #26 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 83.3% |
| #26 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.1M | 10 | 83.3% |
| #26 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $3.9M | 10 | 25.0% |
| #26 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #26 | Matthew Doyle | 1657942 | Guild Mortgage Company LLC | 3274 | Cornelius, NC | $4.1M | 10 | 76.9% |
| #26 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 71.4% |
| #26 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 71.4% |
| #38 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $4.4M | 9 | 69.2% |
| #38 | Brian Grubbs | 69586 | Raleigh Mortgage Group, Inc. | 69573 | Raleigh, NC | $3.2M | 9 | 47.4% |
| #38 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $4.6M | 9 | 64.3% |
| #38 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $2.6M | 9 | 18.0% |
| #38 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $2.6M | 9 | 50.0% |
| #38 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $3.8M | 9 | 52.9% |
| #38 | Paul Eiden | 442231 | CMG Mortgage, Inc. | 1820 | Charlotte, NC | $5.8M | 9 | 75.0% |
| #38 | Allyson Cain | 1944301 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Lexington, NC | $2.4M | 9 | 47.4% |
| #38 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $2.9M | 9 | 40.9% |
| #38 | Christopher Long | 108499 | Equity Resources, Inc. | 1579 | Raleigh, NC | $2.7M | 9 | 90.0% |
| #38 | Joseph Milam | 117399 | Alpha Mortgage Advantage LLC | 1860353 | Wilmington, NC | $3.7M | 9 | 28.1% |
| #38 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.2M | 9 | 75.0% |
| #50 | Joshua Schaen | 533066 | Pinnacle Bank | 418535 | Mooresville, NC | $7.4M | 8 | 72.7% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-units/2026
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