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 May 28, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), Chirag Rachhadia (VEMA MORTGAGE LLC, NMLS #1890628), 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 | $58.2M | 116 | 75.8% |
| #2 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $50.8M | 106 | 72.1% |
| #3 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | 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 | $21.1M | 66 | 39.8% |
| #6 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $18.6M | 40 | 65.6% |
| #7 | Donna Schermerhorn | 546565 | The Huntington National Bank | 402436 | Charlotte, NC | $16.9M | 9 | 81.8% |
| #8 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $16.9M | 35 | 66.0% |
| #9 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $15.7M | 15 | 55.6% |
| #10 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $13.3M | 29 | 55.8% |
| #11 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $12.5M | 30 | 62.5% |
| #12 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $11.8M | 31 | 40.8% |
| #13 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $11.3M | 20 | 46.5% |
| #14 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.2M | 41 | 53.2% |
| #15 | Chad Fleener | 133146 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $11.0M | 17 | 60.7% |
| #16 | JORDAN WARREN | 1560207 | Intercoastal Mortgage, LLC | 56323 | Wilmington, NC | $10.8M | 24 | 66.7% |
| #17 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $10.1M | 15 | 68.2% |
| #18 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $10.0M | 32 | 18.8% |
| #19 | Roger Moore | 69364 | Loan Pronto, Inc. | 1661781 | Austin, TX | $10.0M | 15 | 65.2% |
| #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 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $9.6M | 20 | 55.6% |
| #27 | James Nesbit | 76308 | First-Citizens Bank & Trust Company | 503941 | Pinehurst, NC | $9.4M | 13 | 59.1% |
| #28 | Whitney Bulbrook | 48522 | Carolina Ventures Mortgage, LLC | 1032518 | Chapel Hill, NC | $9.4M | 18 | 40.9% |
| #29 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $9.2M | 31 | 43.7% |
| #30 | Kathryn Sozzi | 145185 | First National Bank of Pennsylvania | 766529 | Charlotte, NC | $9.2M | 9 | 50.0% |
| #31 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.7M | 16 | 80.0% |
| #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 | 18.3% |
| #36 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.9M | 17 | 17.3% |
| #37 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $7.9M | 19 | 17.6% |
| #38 | Tammi Rowe | 117643 | Movement Mortgage, LLC | 39179 | Raleigh, NC | $7.4M | 17 | 56.7% |
| #39 | Christopher Coy | 1201896 | TowneBank | 512138 | Raleigh, NC | $7.3M | 8 | 53.3% |
| #40 | Shannon Rodden | 448778 | Wells Fargo Bank, National Association | 399801 | Charlotte, NC | $7.2M | 9 | 39.1% |
| #41 | Paul Norment | 179773 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $7.1M | 14 | 48.3% |
| #42 | John Smith | 67369 | Integrated Funding and Development, Inc. | 46313 | Raleigh, NC | $7.0M | 12 | 57.1% |
| #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 | 72.7% |
| #45 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $6.6M | 15 | 26.3% |
| #46 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $6.5M | 12 | 63.2% |
| #47 | BRIAN CROWDER | 511784 | PNC Bank, National Association | 446303 | Charlotte, NC | $6.3M | 5 | 31.3% |
| #48 | Kelly Siglinger | 1530990 | Bank of America, N.A. | 399802 | Huntersville, NC | $6.3M | 7 | 63.6% |
| #49 | Patton Gade | 1243024 | CrossCountry Mortgage, LLC | 3029 | Scottsdale, AZ | $6.3M | 7 | 46.7% |
| #50 | Michael Sabido | 659123 | Intercoastal Mortgage, LLC | 56323 | Stanley, NC | $6.3M | 11 | 61.1% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-volume/2025
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