Retention champions in New Jersey in 2022, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include Christopher Gallo (CrossCountry Mortgage, LLC, NMLS #60863), Christopher Keelin (CrossCountry Mortgage, LLC, NMLS #63764), and Michael Carvajal (Informed Mortgage LLC, NMLS #214865).
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 | Christopher Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $26.5M | 53 | 42.1% |
| #2 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $15.9M | 38 | 32.5% |
| #3 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $12.3M | 36 | 56.3% |
| #4 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $13.4M | 25 | 32.9% |
| #5 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $7.9M | 24 | 82.8% |
| #6 | Giovanni Palumbo | 169369 | Movement Mortgage, LLC | 39179 | Totowa, NJ | $6.8M | 21 | 30.9% |
| #7 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $7.2M | 20 | 47.6% |
| #7 | Eric Hutton | 1508050 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | East Brunswick, NJ | $6.8M | 20 | 64.5% |
| #9 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.7M | 19 | 38.8% |
| #10 | Marc Demetriou | 111118 | Guaranteed Rate, Inc. | 2611 | Montville, NJ | $9.4M | 17 | 70.8% |
| #10 | Alicia Walters | 460238 | loanDepot.com, LLC | 174457 | Northfield, NJ | $3.9M | 17 | 32.1% |
| #12 | Charles Shulman | 21573 | Luminate Bank | 1281698 | Delray Beach, FL | $10.3M | 16 | 76.2% |
| #12 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $4.1M | 16 | 38.1% |
| #14 | Gregory Morga | 1713874 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Toms River, NJ | $5.9M | 15 | 71.4% |
| #14 | Christopher DeMatteis | 214872 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $6.4M | 15 | 45.5% |
| #14 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $5.8M | 15 | 44.1% |
| #14 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $7.5M | 15 | 32.6% |
| #14 | Louis Schornstein | 5490 | Prime Time Mortgage Corp. | 5463 | Springfield, NJ | $4.8M | 15 | 44.1% |
| #19 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $4.3M | 14 | 21.9% |
| #19 | Joshua Blair | 241845 | CMG Mortgage, Inc. | 1820 | Paramus, NJ | $4.7M | 14 | 29.8% |
| #19 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $4.8M | 14 | 63.6% |
| #19 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $5.6M | 14 | 60.9% |
| #19 | David Pressel | 562175 | Bayshore Mortgage Funding, LLC | 196858 | Maplewood, NJ | $7.1M | 14 | 60.9% |
| #24 | Jacqueline Koven | 252596 | CrossCountry Mortgage, LLC | 3029 | Summit, NJ | $6.0M | 13 | 56.5% |
| #24 | Kristofer Jones | 408620 | Advisors Mortgage Group, L.L.C. | 33041 | Wall Township, NJ | $5.0M | 13 | 37.1% |
| #24 | Richard Butera | 263964 | Kearny Bank | 401080 | Oakhurst, NJ | $8.4M | 13 | 50.0% |
| #24 | Sharon Russo | 282142 | MLD Mortgage Inc. | 1019 | Florham Park, NJ | $6.5M | 13 | 65.0% |
| #28 | Daniel Pacholski | 392677 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $2.6M | 12 | 15.4% |
| #28 | Michael Dacunha | 233997 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $3.5M | 12 | 50.0% |
| #28 | Joseph Galayda | 65345 | Millenium Home Mortgage, LLC | 51519 | Westfield, NJ | $7.9M | 12 | 48.0% |
| #28 | Stephen Carpitella | 15331 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $3.8M | 12 | 34.3% |
| #28 | Brian Foster | 220729 | BFF Lending Services Inc | 1502997 | Holmdel, NJ | $4.5M | 12 | 57.1% |
| #28 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $6.3M | 12 | 48.0% |
| #28 | Adam Dratch | 919145 | CMG Mortgage, Inc. | 1820 | Middletown, NJ | $3.1M | 12 | 60.0% |
| #28 | Christofer Wilhelm | 111160 | Guaranteed Rate, Inc. | 2611 | Berlin, NJ | $3.0M | 12 | 30.0% |
| #28 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $4.5M | 12 | 50.0% |
| #28 | Neil Robinson | 216322 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $5.2M | 12 | 66.7% |
| #38 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $4.3M | 11 | 61.1% |
| #38 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $5.1M | 11 | 35.5% |
| #38 | Stacey Woodin | 1058359 | MLB Residential Lending, LLC | 1101220 | Springfield, NJ | $4.2M | 11 | 78.6% |
| #38 | Nchemya Leiman | 73753 | Leiman Mortgage Network LLC | 17280 | Lakewood, NJ | $4.4M | 11 | 64.7% |
| #38 | LISA MATHEWS | 213477 | CrossCountry Mortgage, LLC | 3029 | Westfield, NJ | $4.4M | 11 | 28.2% |
| #38 | Sean Clark | 111333 | Advisors Mortgage Group, L.L.C. | 33041 | — | $5.0M | 11 | 47.8% |
| #38 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $2.9M | 11 | 27.5% |
| #38 | Vincent Guerriero | 274786 | Loan Factory, Inc. | 320841 | Medford, NJ | $5.9M | 11 | 68.8% |
| #38 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $3.9M | 11 | 84.6% |
| #38 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $7.3M | 11 | 57.9% |
| #48 | EDWARD MORO Jr | 211619 | Atlantis Mortgage Co., Inc. | 110707 | West Long Branch, NJ | $3.2M | 10 | 62.5% |
| #48 | William Cordivari | 146484 | United Mortgage Corp. | 1330 | Toms River, NJ | $3.9M | 10 | 33.3% |
| #48 | Matthew Keane | 12966 | Guaranteed Rate, Inc. | 2611 | Madison, NJ | $4.2M | 10 | 31.3% |
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 (2022). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2022
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