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 August 23, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), William Mullinix (Atlantic Bay Mortgage Group, L.L.C., NMLS #116279), 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 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $25.7M | 31 | 37.8% |
| #3 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $23.9M | 48 | 76.2% |
| #4 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $23.2M | 52 | 65.0% |
| #5 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 66.7% |
| #6 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $13.2M | 22 | 52.4% |
| #7 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $13.1M | 25 | 80.6% |
| #8 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $12.0M | 40 | 74.1% |
| #9 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $11.3M | 38 | 37.6% |
| #10 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $11.2M | 20 | 24.7% |
| #11 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $10.5M | 21 | 63.6% |
| #12 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $9.4M | 24 | 57.1% |
| #13 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $9.0M | 15 | 78.9% |
| #14 | 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% |
| #16 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $8.7M | 28 | 40.6% |
| #17 | Joshua Schaen | 533066 | Pinnacle Bank | 418535 | Mooresville, NC | $8.5M | 9 | 69.2% |
| #18 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $8.3M | 16 | 45.7% |
| #19 | JAMIE BARRON | 561140 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $7.8M | 9 | 45.0% |
| #20 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $7.5M | 13 | 86.7% |
| #21 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #22 | Jegadheesan Jayavel | 2686128 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $7.2M | 16 | 100.0% |
| #23 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $7.1M | 17 | 34.0% |
| #24 | Kristopher Steele | 1236169 | American Security Mortgage Corp | 40561 | Charlotte, NC | $7.0M | 9 | 20.9% |
| #25 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $7.0M | 16 | 53.3% |
| #26 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $6.9M | 15 | 30.0% |
| #27 | Jonathan Cherry | 45972 | Truist Bank | 399803 | Cornelius, NC | $6.8M | 7 | 70.0% |
| #28 | James Nesbit | 76308 | First-Citizens Bank & Trust Company | 503941 | Pinehurst, NC | $6.8M | 7 | 43.8% |
| #29 | RYAN SHAUGHNESSY | 561165 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $6.7M | 8 | 66.7% |
| #30 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.7M | 10 | 37.0% |
| #31 | Ashlyn Gift | 1929945 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.3M | 7 | 43.8% |
| #32 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $6.2M | 14 | 30.4% |
| #33 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 66.7% |
| #34 | Kimberly Mitchell | 555426 | First National Bank of Pennsylvania | 766529 | Matthews, NC | $6.0M | 6 | 33.3% |
| #35 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.9M | 13 | 44.8% |
| #36 | Paul Eiden | 442231 | CMG Mortgage, Inc. | 1820 | Charlotte, NC | $5.8M | 9 | 69.2% |
| #37 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 62.5% |
| #38 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $5.8M | 14 | 93.3% |
| #39 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 59.1% |
| #40 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $5.5M | 13 | 20.6% |
| #41 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $5.4M | 10 | 66.7% |
| #42 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $5.4M | 11 | 57.9% |
| #43 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $5.2M | 10 | 41.7% |
| #44 | Christina Mauney | 1084660 | American Security Mortgage Corp | 40561 | Charlotte, NC | $5.2M | 9 | 37.5% |
| #45 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $5.1M | 13 | 61.9% |
| #46 | Kathryn Sozzi | 145185 | SouthState Bank, N.A. | 403455 | Charlotte, NC | $4.9M | 4 | 28.6% |
| #47 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $4.8M | 17 | 20.7% |
| #48 | Scott Schumann | 71043 | First National Bank of Pennsylvania | 766529 | Charlotte, NC | $4.8M | 8 | 72.7% |
| #49 | Karen Barnette | 81645 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $4.8M | 9 | 40.9% |
| #50 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.7M | 10 | 76.9% |
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 August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-volume
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