Retention champions in North Carolina in 2025, ranked by total volume. 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 William Mullinix (New American Funding, LLC, 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 | $59.2M | 118 | 77.1% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $51.0M | 107 | 72.8% |
| #3 | William Mullinix | 116279 | New American Funding, LLC | 6606 | Charlotte, NC | $29.3M | 35 | 44.3% |
| #4 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $28.5M | 56 | 65.1% |
| #5 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $21.2M | 66 | 39.8% |
| #6 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $18.6M | 40 | 64.5% |
| #7 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $17.1M | 35 | 66.0% |
| #8 | Donna Schermerhorn | 546565 | The Huntington National Bank | 402436 | Charlotte, NC | $16.9M | 9 | 81.8% |
| #9 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $15.7M | 15 | 55.6% |
| #10 | Logan Martini | 1591485 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $13.8M | 30 | 56.6% |
| #11 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $12.5M | 30 | 62.5% |
| #12 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $11.9M | 21 | 46.7% |
| #13 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $11.8M | 31 | 41.3% |
| #14 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.6M | 42 | 54.5% |
| #15 | JORDAN WARREN | 1560207 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $11.1M | 25 | 65.8% |
| #16 | Chad Fleener | 133146 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $11.0M | 17 | 60.7% |
| #17 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $10.8M | 34 | 18.9% |
| #18 | Roger Moore | 69364 | Loan Pronto, Inc. | 1661781 | Austin, TX | $10.3M | 16 | 69.6% |
| #19 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $10.1M | 15 | 71.4% |
| #20 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $10.0M | 22 | 53.7% |
| #21 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.9M | 21 | 84.0% |
| #22 | Joshua Schaen | 533066 | Pinnacle Bank | 418535 | Mooresville, NC | $9.9M | 8 | 80.0% |
| #23 | Matthew Fitzgerald | 84897 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $9.9M | 18 | 54.5% |
| #24 | VENKATARAMANA MALAPATI | 1584622 | MVR Mortgage Company LLC | 2126883 | Charlotte, NC | $9.7M | 21 | 75.0% |
| #25 | Puliyunikattu Tommy Johnson | 2063766 | VEMA MORTGAGE LLC | 1019911 | San Antonio, TX | $9.6M | 19 | 73.1% |
| #26 | Whitney Bulbrook | 48522 | Carolina Ventures Mortgage, LLC | 1032518 | Chapel Hill, NC | $9.6M | 19 | 42.2% |
| #27 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.6M | 20 | 55.6% |
| #28 | James Nesbit | 76308 | First-Citizens Bank & Trust Company | 503941 | Pinehurst, NC | $9.4M | 13 | 61.9% |
| #29 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $9.2M | 31 | 42.5% |
| #30 | Kathryn Sozzi | 145185 | SouthState Bank, N.A. | 403455 | Charlotte, NC | $9.2M | 9 | 50.0% |
| #31 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $9.0M | 17 | 81.0% |
| #32 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $8.6M | 15 | 65.2% |
| #33 | JAMIE BARRON | 561140 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $8.6M | 10 | 43.5% |
| #34 | Katie Teed | 838384 | The Fidelity Bank | 402136 | Cary, NC | $8.5M | 13 | 61.9% |
| #35 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $8.2M | 15 | 17.4% |
| #36 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.9M | 17 | 17.0% |
| #37 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $7.9M | 19 | 17.4% |
| #38 | Paul Norment | 179773 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $7.5M | 15 | 50.0% |
| #39 | Tammi Rowe | 117643 | Movement Mortgage, LLC | 39179 | Raleigh, NC | $7.4M | 17 | 56.7% |
| #40 | Christopher Coy | 1201896 | TowneBank | 512138 | Raleigh, NC | $7.3M | 8 | 53.3% |
| #41 | Shannon Rodden | 448778 | Wells Fargo Bank, National Association | 399801 | Charlotte, NC | $7.2M | 9 | 40.9% |
| #42 | John Smith | 67369 | Equity Resources, Inc. | 1579 | Raleigh, NC | $7.0M | 12 | 54.5% |
| #43 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $6.9M | 14 | 66.7% |
| #44 | William Hudson | 545561 | SouthState Bank, N.A. | 403455 | Charlotte, NC | $6.8M | 8 | 66.7% |
| #45 | Michael Sabido | 659123 | Intercoastal Mortgage, LLC | 56323 | Stanley, NC | $6.6M | 12 | 63.2% |
| #46 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $6.6M | 15 | 24.6% |
| #47 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $6.5M | 12 | 63.2% |
| #48 | Erin Finnen | 112052 | American Security Mortgage Corp | 40561 | Kiawah Island, SC | $6.4M | 8 | 25.8% |
| #49 | BRIAN CROWDER | 511784 | PNC Bank, National Association | 446303 | Charlotte, NC | $6.3M | 5 | 31.3% |
| #50 | Kelly Siglinger | 1530990 | Bank of America, N.A. | 399802 | Huntersville, NC | $6.3M | 7 | 63.6% |
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 (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-volume/2025
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