Retention champions in North Carolina this year, ranked by total volume. 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 William Mullinix (Atlantic Bay Mortgage Group, L.L.C., NMLS #116279).
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 | William Mullinix | 116279 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Charlotte, NC | $21.7M | 27 | 42.2% |
| #4 | Chirag Rachhadia | 1890628 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $18.6M | 40 | 65.6% |
| #5 | Lance Johnson | 93035 | Regions Bank | 174490 | Charlotte, NC | $12.9M | 15 | 75.0% |
| #6 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $11.6M | 22 | 81.5% |
| #7 | Tracy Rich | 70494 | Union Home Mortgage Corp. | 2229 | High Point, NC | $10.7M | 35 | 81.4% |
| #8 | Logan Martini | 1591485 | Gold Star Mortgage Financial Group, Corporation | 3446 | Raleigh, NC | $10.5M | 17 | 56.7% |
| #9 | Jeffrey Muth | 115203 | Mecklenburg Mortgage Inc | 1190352 | Charlotte, NC | $8.8M | 16 | 88.9% |
| #10 | Jubi Chackunkal | 1087366 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $8.3M | 20 | 62.5% |
| #11 | Mark Reinhardt | 2003989 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $8.2M | 14 | 77.8% |
| #12 | Adam Workman | 128183 | CrossCountry Mortgage, LLC | 3029 | Charlotte, NC | $7.7M | 26 | 43.3% |
| #13 | Justin Slack | 203603 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.6M | 15 | 27.3% |
| #14 | Anthony Brewer | 87535 | Carolina Equity Services, Inc. | 72050 | Apex, NC | $7.5M | 10 | 83.3% |
| #15 | Joshua Schaen | 533066 | Pinnacle Bank | 418535 | Mooresville, NC | $7.4M | 8 | 72.7% |
| #16 | Amy Goss | 194181 | Guild Mortgage Company LLC | 3274 | Jacksonville, NC | $7.3M | 23 | 43.4% |
| #17 | Patrick Stoy | 39527 | CrossCountry Mortgage, LLC | 3029 | Wilmington, NC | $7.2M | 16 | 55.2% |
| #18 | Purushothaman Sadhasivam | 2485885 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $7.0M | 14 | 58.3% |
| #19 | Robert Oakes | 91606 | Corporate Investors Mortgage Group, Inc. | 39460 | Chapel Hill, NC | $6.5M | 12 | 24.0% |
| #20 | Clifton Meeks | 117379 | American Security Mortgage Corp | 40561 | Charlotte, NC | $6.2M | 9 | 36.0% |
| #21 | vivek agarwal | 2564210 | Loan Factory, Inc. | 320841 | San Jose, CA | $6.1M | 10 | 83.3% |
| #22 | Paul Eiden | 442231 | CMG Mortgage, Inc. | 1820 | Charlotte, NC | $5.8M | 9 | 75.0% |
| #23 | Matthew Hess | 3600 | Patriot Financial, Inc | 1642 | Cary, NC | $5.8M | 10 | 71.4% |
| #24 | Chintan Kanani | 1011160 | Rhythm Mortgage LLC | 2569987 | Morrisville, NC | $5.6M | 13 | 61.9% |
| #25 | JAMIE BARRON | 561140 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $5.5M | 7 | 53.8% |
| #26 | Richard Wolf | 1375500 | Primis Mortgage Company | 1894879 | Wilmington, NC | $5.5M | 12 | 33.3% |
| #27 | Steven Hall | 2050588 | Nexus Nova LLC | 2082961 | Charlotte, NC | $5.3M | 9 | 69.2% |
| #28 | Abhishek Gampa | 2233515 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.2M | 11 | 47.8% |
| #29 | Mary Vaca | 1703022 | Movement Mortgage, LLC | 39179 | Fort Mill, SC | $5.1M | 14 | 53.8% |
| #30 | Lindsey Atkins | 505112 | Movement Mortgage, LLC | 39179 | Charlotte, NC | $4.8M | 11 | 22.9% |
| #31 | Ramesh Nagarajan | 2017892 | Prime Home Mortgage Incorporated | 2658067 | Charlotte, NC | $4.6M | 9 | 69.2% |
| #32 | John Hedrick | 1834174 | Ace Mortgage Group LLC | 1849774 | Wake Forest, NC | $4.5M | 12 | 75.0% |
| #33 | Patrick Roman | 204441 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $4.4M | 9 | 75.0% |
| #34 | Barbara Multari | 195561 | Pathway Mortgage Group, Inc. | 1819864 | Cary, NC | $4.4M | 12 | 35.3% |
| #35 | Dana Meadows | 70961 | Movement Mortgage, LLC | 39179 | Myrtle Beach, SC | $4.3M | 9 | 26.5% |
| #36 | John Simpson | 913069 | Future Financial LLC | 1621953 | Charlotte, NC | $4.2M | 10 | 90.9% |
| #37 | Jeffrey Trout | 94845 | Uwharrie Bank | 447110 | Charlotte, NC | $4.1M | 7 | 43.8% |
| #38 | Kendra McCormick | 145090 | CrossCountry Mortgage, LLC | 3029 | Cary, NC | $4.0M | 7 | 43.8% |
| #39 | Christina Mauney | 1084660 | American Security Mortgage Corp | 40561 | Charlotte, NC | $4.0M | 7 | 41.2% |
| #40 | Meredith Bolton | 2075467 | NFM Lending, LLC | 2893 | Pinehurst, NC | $4.0M | 7 | 53.8% |
| #41 | William Duff | 412444 | First-Citizens Bank & Trust Company | 503941 | Raleigh, NC | $3.9M | 8 | 36.4% |
| #42 | Alex Wright | 1615455 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Kitty Hawk, NC | $3.9M | 6 | 60.0% |
| #43 | Sabrina West | 93647 | Guaranteed Rate, Inc. | 2611 | Asheville, NC | $3.9M | 8 | 57.1% |
| #44 | Kimberly Winters | 643805 | CMG Mortgage, Inc. | 1820 | Asheville, NC | $3.9M | 10 | 26.3% |
| #45 | David Hartman | 79528 | Movement Mortgage, LLC | 39179 | Cary, NC | $3.9M | 8 | 53.3% |
| #46 | Paul Norment | 179773 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.9M | 8 | 50.0% |
| #47 | Ram Kalagara | 1956002 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $3.8M | 9 | 60.0% |
| #48 | Santy Mathew | 1928591 | Triangle Lending Group, Inc. | 64446 | Raleigh, NC | $3.8M | 7 | 70.0% |
| #49 | Kathryn Sozzi | 145185 | First National Bank of Pennsylvania | 766529 | Charlotte, NC | $3.8M | 3 | 27.3% |
| #50 | Howard Orebaugh | 323545 | CrossCountry Mortgage, LLC | 3029 | Raleigh, NC | $3.7M | 10 | 71.4% |