Retention champions in North Carolina in 2026, 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), 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 | $27.7M | 57 | 72.2% |
| #2 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $23.3M | 29 | 43.9% |
| #3 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $22.7M | 45 | 78.9% |
| #4 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $19.9M | 44 | 65.7% |
| #5 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $13.9M | 16 | 72.7% |
| #6 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $11.6M | 22 | 81.5% |
| #7 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $11.0M | 18 | 56.3% |
| #8 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $11.0M | 37 | 80.4% |
| #9 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $9.2M | 30 | 42.9% |
| #10 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $9.0M | 23 | 63.9% |
| #11 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 88.9% |
| #12 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #13 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.6M | 15 | 24.6% |
| #14 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #15 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $7.4M | 24 | 44.4% |
| #16 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $7.4M | 15 | 57.7% |
| #17 | Joshua Schaen | 533066 | Pinnacle Bank | 418535 | Mooresville, NC | $7.4M | 8 | 72.7% |
| #18 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.2M | 16 | 55.2% |
| #19 | RYAN SHAUGHNESSY | 561165 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $6.7M | 8 | 80.0% |
| #20 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.7M | 10 | 38.5% |
| #21 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $6.5M | 12 | 23.5% |
| #22 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.1M | 10 | 83.3% |
| #23 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $6.0M | 10 | 71.4% |
| #24 | JAMIE BARRON | 561140 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $6.0M | 7 | 53.8% |
| #25 | Paul Eiden | 442231 | CMG Mortgage, Inc. | 1820 | Charlotte, NC | $5.8M | 9 | 75.0% |
| #26 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 71.4% |
| #27 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.7M | 12 | 50.0% |
| #28 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #29 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $5.5M | 12 | 33.3% |
| #30 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $5.1M | 14 | 53.8% |
| #31 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 22.9% |
| #32 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $4.7M | 10 | 27.8% |
| #33 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $4.6M | 13 | 35.1% |
| #34 | Alex Wright | 1615455 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Kitty Hawk, NC | $4.6M | 7 | 53.8% |
| #35 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $4.6M | 9 | 64.3% |
| #36 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $4.5M | 12 | 75.0% |
| #37 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $4.4M | 9 | 69.2% |
| #38 | Andrea Kindley | 93066 | Fairway Independent Mortgage Corporation | 2289 | Mooresville, NC | $4.2M | 3 | 18.8% |
| #39 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 83.3% |
| #40 | Brian Cooke | 17866 | World Home Loans Inc | 2726290 | Irvine, CA | $4.2M | 9 | 75.0% |
| #41 | Ashley McKenzie | 100776 | Highlands Residential Mortgage, Ltd. | 134871 | Winston Salem, NC | $4.1M | 12 | 21.4% |
| #42 | Jeffrey Trout | 94845 | Uwharrie Bank | 447110 | Charlotte, NC | $4.1M | 7 | 41.2% |
| #43 | Matthew Doyle | 1657942 | Guild Mortgage Company LLC | 3274 | Cornelius, NC | $4.1M | 10 | 76.9% |
| #44 | Kendra McCormick | 145090 | CrossCountry Mortgage, LLC | 3029 | Cary, NC | $4.0M | 7 | 43.8% |
| #45 | Christina Mauney | 1084660 | American Security Mortgage Corp | 40561 | Charlotte, NC | $4.0M | 7 | 38.9% |
| #46 | Meredith Bolton | 2075467 | NFM Lending, LLC | 2893 | Pinehurst, NC | $4.0M | 7 | 43.8% |
| #47 | William Duff | 412444 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $3.9M | 8 | 36.4% |
| #48 | Benjamin Clifton | 455597 | First National Bank of Pennsylvania | 766529 | Raleigh, NC | $3.9M | 5 | 31.3% |
| #49 | Sabrina West | 93647 | Guaranteed Rate, Inc. | 2611 | Asheville, NC | $3.9M | 8 | 57.1% |
| #50 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $3.9M | 10 | 25.0% |
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 (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-retention-by-volume/2026
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