Retention champions in North Carolina in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), suneel kommireddy (Viva Lending Group LLC, NMLS #1846636), and William Mullinix (Atlantic Bay Mortgage Group, L.L.C., NMLS #116279).
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 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $23.9M | 48 | 80.0% |
| #3 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $23.3M | 29 | 38.2% |
| #4 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $22.2M | 49 | 66.2% |
| #5 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 66.7% |
| #6 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $13.1M | 25 | 80.6% |
| #7 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $12.7M | 21 | 55.3% |
| #8 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.9M | 39 | 78.0% |
| #9 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $9.9M | 33 | 38.8% |
| #10 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $9.8M | 20 | 64.5% |
| #11 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $9.4M | 24 | 60.0% |
| #12 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 84.2% |
| #13 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.8M | 17 | 24.3% |
| #14 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $8.7M | 16 | 25.4% |
| #15 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.3M | 16 | 51.6% |
| #16 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #17 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $8.0M | 26 | 43.3% |
| #18 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #19 | Joshua Schaen | 533066 | Pinnacle Bank | 418535 | Mooresville, NC | $7.4M | 8 | 72.7% |
| #20 | JAMIE BARRON | 561140 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $7.3M | 8 | 50.0% |
| #21 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $7.1M | 17 | 41.5% |
| #22 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.0M | 16 | 57.1% |
| #23 | RYAN SHAUGHNESSY | 561165 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $6.7M | 8 | 66.7% |
| #24 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.7M | 10 | 37.0% |
| #25 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.6M | 11 | 84.6% |
| #26 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $6.4M | 13 | 29.5% |
| #27 | Ashlyn Gift | 1929945 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.3M | 7 | 46.7% |
| #28 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $6.2M | 14 | 31.8% |
| #29 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 66.7% |
| #30 | Kimberly Mitchell | 555426 | First National Bank of Pennsylvania | 766529 | Matthews, NC | $6.0M | 6 | 33.3% |
| #31 | Jegadheesan Jayavel | 2686128 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.9M | 13 | 100.0% |
| #32 | Paul Eiden | 442231 | CMG Mortgage, Inc. | 1820 | Charlotte, NC | $5.8M | 9 | 75.0% |
| #33 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 62.5% |
| #34 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.7M | 12 | 46.2% |
| #35 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #36 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $5.4M | 10 | 66.7% |
| #37 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $5.1M | 13 | 68.4% |
| #38 | Kathryn Sozzi | 145185 | SouthState Bank, N.A. | 403455 | Charlotte, NC | $4.9M | 4 | 30.8% |
| #39 | Kristopher Steele | 1236169 | American Security Mortgage Corp | 40561 | Charlotte, NC | $4.9M | 7 | 18.4% |
| #40 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $4.9M | 10 | 58.8% |
| #41 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 20.4% |
| #42 | Karen Barnette | 81645 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $4.8M | 9 | 50.0% |
| #43 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $4.7M | 12 | 92.3% |
| #44 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.7M | 10 | 76.9% |
| #45 | James Nesbit | 76308 | First-Citizens Bank & Trust Company | 503941 | Pinehurst, NC | $4.7M | 5 | 41.7% |
| #46 | Alex Wright | 1615455 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Kitty Hawk, NC | $4.6M | 7 | 58.3% |
| #47 | David Hartman | 79528 | Movement Mortgage, LLC | 39179 | Cary, NC | $4.6M | 10 | 50.0% |
| #48 | Shannon Rodden | 448778 | Wells Fargo Bank, National Association | 399801 | Charlotte, NC | $4.6M | 2 | 14.3% |
| #49 | Jeffrey Trout | 94845 | Uwharrie Bank | 447110 | Charlotte, NC | $4.5M | 8 | 34.8% |
| #50 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $4.4M | 9 | 42.9% |
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 Volume — North Carolina. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-volume
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