Retention champions in North Carolina this year, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Vipul Hapani (VEMA MORTGAGE LLC, NMLS #1891192), suneel kommireddy (Viva Lending Group LLC, NMLS #1846636), and Chirag Rachhadia (VEMA MORTGAGE LLC, NMLS #1890628).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Vipul Hapani | 1891192 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $26.0M | 53 | 70.7% |
| #2 | suneel kommireddy | 1846636 | Viva Lending Group LLC | 2216743 | Cary, NC | $21.9M | 44 | 80.0% |
| #3 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $18.6M | 40 | 65.6% |
| #4 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $10.7M | 35 | 81.4% |
| #5 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $21.7M | 27 | 42.2% |
| #6 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $7.7M | 26 | 43.3% |
| #7 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $7.3M | 23 | 43.4% |
| #8 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $11.6M | 22 | 81.5% |
| #9 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $8.3M | 20 | 62.5% |
| #10 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $10.5M | 17 | 56.7% |
| #11 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 88.9% |
| #11 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.2M | 16 | 55.2% |
| #13 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $12.9M | 15 | 75.0% |
| #13 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.6M | 15 | 27.3% |
| #15 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $7.0M | 14 | 58.3% |
| #15 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $5.1M | 14 | 53.8% |
| #15 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #18 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #19 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $6.5M | 12 | 24.0% |
| #19 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $4.5M | 12 | 75.0% |
| #19 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $5.5M | 12 | 33.3% |
| #19 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $4.4M | 12 | 35.3% |
| #23 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 22.9% |
| #23 | Ashley McKenzie | 100776 | Highlands Residential Mortgage, Ltd. | 134871 | Winston Salem, NC | $3.7M | 11 | 20.8% |
| #23 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.2M | 11 | 47.8% |
| #26 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 71.4% |
| #26 | Sebastian Hajek | 2152339 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $3.2M | 10 | 83.3% |
| #26 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #26 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.7M | 10 | 71.4% |
| #26 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 90.9% |
| #26 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $3.9M | 10 | 26.3% |
| #26 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.1M | 10 | 83.3% |
| #33 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $4.3M | 9 | 26.5% |
| #33 | Ray Meyerhoffer | 99907 | Guaranteed Rate, Inc. | 2611 | Greensboro, NC | $2.9M | 9 | 42.9% |
| #33 | Joseph Milam | 117399 | Alpha Mortgage Advantage LLC | 1860353 | Wilmington, NC | $3.7M | 9 | 30.0% |
| #33 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $3.8M | 9 | 60.0% |
| #33 | Christopher Long | 108499 | Equity Resources, Inc. | 1579 | Raleigh, NC | $2.7M | 9 | 90.0% |
| #33 | Allyson Cain | 1944301 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Lexington, NC | $2.4M | 9 | 52.9% |
| #33 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $4.4M | 9 | 75.0% |
| #33 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $5.3M | 9 | 69.2% |
| #33 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $2.6M | 9 | 18.8% |
| #33 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.2M | 9 | 36.0% |
| #33 | Nolan Link | 415512 | First National Bank of Pennsylvania | 766529 | Hillsborough, NC | $3.1M | 9 | 90.0% |
| #33 | Matthew Doyle | 1657942 | Guild Mortgage Company LLC | 3274 | Cornelius, NC | $3.5M | 9 | 75.0% |
| #33 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $4.6M | 9 | 69.2% |
| #33 | Kathryn Seagle | 113131 | CrossCountry Mortgage, LLC | 3029 | Cornelius, NC | $2.6M | 9 | 50.0% |
| #33 | Paul Eiden | 442231 | CMG Mortgage, Inc. | 1820 | Charlotte, NC | $5.8M | 9 | 75.0% |
| #48 | David Hartman | 79528 | Movement Mortgage, LLC | 39179 | Cary, NC | $3.9M | 8 | 53.3% |
| #48 | Frank Rexford | 119234 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $3.0M | 8 | 80.0% |
| #48 | Paul Norment | 179773 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.9M | 8 | 50.0% |