Retention champions in New Jersey in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 9, 2026, the top 3 include Baret Kechian (loanDepot.com, LLC, NMLS #9411), Christopher Keelin (CrossCountry Mortgage, LLC, NMLS #63764), and XU HAN (TD Bank NA, NMLS #1716710).
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 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $65.9M | 105 | 56.1% |
| #2 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $29.4M | 62 | 48.8% |
| #3 | XU HAN | 1716710 | TD Bank NA | 399800 | Jersey City, NJ | $36.7M | 41 | 91.1% |
| #4 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $21.2M | 39 | 83.0% |
| #5 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $19.7M | 36 | 63.2% |
| #6 | Alessandra Davis | 172843 | CrossCountry Mortgage, LLC | 3029 | Aventura, FL | $12.3M | 34 | 79.1% |
| #7 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $22.8M | 33 | 66.0% |
| #8 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $23.5M | 32 | 43.8% |
| #9 | Chanania Manies | 1607912 | Guaranteed Rate, Inc. | 2611 | Lakewood, NJ | $16.2M | 31 | 83.8% |
| #10 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $14.4M | 28 | 70.0% |
| #10 | Charles Hawthorne | 1173731 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $14.4M | 28 | 50.9% |
| #12 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $15.1M | 27 | 60.0% |
| #13 | Daniel Lemeshev | 1666662 | CrossCountry Mortgage, LLC | 3029 | Hoboken, NJ | $14.6M | 25 | 52.1% |
| #13 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $18.9M | 25 | 33.8% |
| #13 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $26.4M | 25 | 78.1% |
| #16 | Merlin Bahr | 2033251 | United Teletech Financial Federal Credit Union | 402779 | Tinton Falls, NJ | $2.5M | 24 | 75.0% |
| #16 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $6.5M | 24 | 52.2% |
| #16 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $14.6M | 24 | 66.7% |
| #19 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $12.1M | 23 | 69.7% |
| #19 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $11.3M | 23 | 74.2% |
| #21 | John Fornino | 145243 | Trinity Lending Company LLC | 2762052 | Wayne, NJ | $12.4M | 22 | 47.8% |
| #21 | Victor Cale | 587325 | Fairway Independent Mortgage Corporation | 2289 | West Long Branch, NJ | $10.9M | 22 | 47.8% |
| #21 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $35.5M | 22 | 81.5% |
| #24 | Megan McDermott | 90194 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $7.9M | 21 | 67.7% |
| #24 | Brian Homowitz | 413782 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $11.0M | 21 | 44.7% |
| #24 | Stephen Carpitella | 15331 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $8.0M | 21 | 65.6% |
| #27 | Julie Swartz | 29751 | Skyrock Mortgage Corp | 2106417 | Rutherford, NJ | $11.8M | 20 | 66.7% |
| #27 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $13.4M | 20 | 36.4% |
| #27 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $10.2M | 20 | 29.0% |
| #30 | Stephen Bachman | 403742 | CrossCountry Mortgage, LLC | 3029 | Ventnor City, NJ | $8.7M | 19 | 61.3% |
| #31 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $9.0M | 18 | 69.2% |
| #31 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $8.4M | 18 | 66.7% |
| #31 | Walter Gorman | 138370 | CrossCountry Mortgage, LLC | 3029 | Rutherford, NJ | $9.0M | 18 | 37.5% |
| #31 | Stephen Domenick | 2134885 | Legacy Mortgage Group Inc | 2533102 | Clifton, NJ | $9.4M | 18 | 75.0% |
| #31 | Hemalatha Selvarajan | 1576677 | SI Mortgage Company | 68434 | Parsippany, NJ | $9.0M | 18 | 75.0% |
| #31 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $9.6M | 18 | 56.3% |
| #31 | Nicholas DeBari | 339313 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $10.8M | 18 | 75.0% |
| #31 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $8.2M | 18 | 27.3% |
| #31 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $7.7M | 18 | 33.3% |
| #31 | Daniella Hurley | 2040606 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $8.9M | 18 | 72.0% |
| #31 | Jerry DeMaio | 980518 | CrossCountry Mortgage, LLC | 3029 | Shrewsbury, NJ | $8.6M | 18 | 46.2% |
| #31 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $6.8M | 18 | 18.8% |
| #43 | RUPAL GANDECHA | 2449153 | RBG Mortgage LLC | 2630626 | Princeton, NJ | $9.4M | 17 | 94.4% |
| #43 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $2.5M | 17 | 48.6% |
| #43 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $10.0M | 17 | 41.5% |
| #43 | Michael Puorro | 267438 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $9.2M | 17 | 33.3% |
| #47 | MAYER WEISS | 175269 | Ark Mortgage, Inc. | 103915 | Lakewood, NJ | $6.5M | 16 | 66.7% |
| #47 | Carlos Figueira | 147484 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $8.2M | 16 | 34.0% |
| #47 | Michele Perrulli | 831792 | Advisors Mortgage Group, L.L.C. | 33041 | Oceanport, NJ | $10.6M | 16 | 66.7% |
| #47 | Troy Sears | 216683 | CrossCountry Mortgage, LLC | 3029 | Morganville, NJ | $9.2M | 16 | 43.2% |
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 Loan Count — New Jersey. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units
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