Retention champions in New Jersey in 2023, 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 Gerard Murphy (Kearny Bank, NMLS #855569), Michael Carvajal (Informed Mortgage LLC, NMLS #214865), and Christopher Hartsough (Credit Union of New Jersey, NMLS #135033).
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 | Gerard Murphy | 855569 | Kearny Bank | 401080 | Oakhurst, NJ | $7.3M | 18 | 72.0% |
| #2 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $4.5M | 12 | 25.5% |
| #3 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $1.0M | 10 | 62.5% |
| #3 | Patrick Butler | 404767 | Valley National Bank | 411254 | Wayne, NJ | $827K | 10 | 71.4% |
| #3 | Christopher Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $6.2M | 10 | 22.2% |
| #6 | James Anzano | 209792 | Glendenning Mortgage Corporation | 209086 | Toms River, NJ | $3.5M | 9 | 64.3% |
| #6 | IWONA KARPETA | 464316 | UNITED POLES FEDERAL CREDIT UNION | 464203 | Perth Amboy, NJ | $1.0M | 9 | 81.8% |
| #8 | James Eville | 142428 | Unity Bank | 617337 | Clinton, NJ | $5.7M | 8 | 44.4% |
| #8 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $2.8M | 8 | 53.3% |
| #10 | Nancy Culp | 780425 | First Financial Federal Credit Union | 685814 | — | $450K | 7 | 70.0% |
| #10 | Jennifer Andreyev | 419035 | Wells Fargo Bank, National Association | 399801 | Red Bank, NJ | $2.8M | 7 | 46.7% |
| #10 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $1.3M | 7 | 18.4% |
| #10 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $1.7M | 7 | 17.5% |
| #14 | Maura Weiss | 1085140 | Wells Fargo Bank, National Association | 399801 | — | $2.1M | 6 | 60.0% |
| #14 | Joseph Vitiello | 1992076 | CrossCountry Mortgage, LLC | 3029 | Parsippany, NJ | $2.3M | 6 | 60.0% |
| #14 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $2.7M | 6 | 17.6% |
| #14 | michael santos | 199875 | LionOak Mortgage LLC | 2537226 | Springfield, NJ | $1.9M | 6 | 50.0% |
| #14 | Michael Bellano | 210931 | Hartford Funding, Ltd. | 58160 | Woodbury, NY | $2.0M | 6 | 54.5% |
| #14 | Andrea Martinez | 404079 | Wells Fargo Bank, National Association | 399801 | Short Hills, NJ | $2.3M | 6 | 60.0% |
| #14 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $818K | 6 | 35.3% |
| #14 | MARIA MCNEELY | 802214 | First Harvest Federal Credit Union | 771963 | — | $393K | 6 | 31.6% |
| #14 | Jenny Barnes | 890233 | Manasquan Bank | 479346 | Manasquan, NJ | $319K | 6 | 60.0% |
| #14 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $2.8M | 6 | 40.0% |
| #14 | Anthony Marone | 1190158 | Lend Mortgage LLC | 2639652 | Manalapan, NJ | $2.8M | 6 | 37.5% |
| #25 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.2M | 5 | 11.6% |
| #25 | Jeremy Press | 626305 | JPMorgan Chase Bank, National Association | 399798 | Hazlet, NJ | $1.0M | 5 | 45.5% |
| #25 | Eugene Brown | 149265 | Mid Penn Bank | 514439 | Mount Laurel, NJ | $2.3M | 5 | 35.7% |
| #25 | Carlos Figueira | 147484 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $1.7M | 5 | 20.0% |
| #25 | Justin Freedman | 292172 | BoxCar Mortgage, LLC | 1969375 | Parsippany, NJ | $2.3M | 5 | 41.7% |
| #30 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $2.5M | 4 | 40.0% |
| #30 | Gregory Morga | 1713874 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Toms River, NJ | $1.2M | 4 | 28.6% |
| #30 | Alon Tabak | 588942 | New American Funding, LLC | 6606 | Toms River, NJ | $1.8M | 4 | 33.3% |
| #30 | Gerald Spence | 244722 | Fairway Independent Mortgage Corporation | 2289 | Sewell, NJ | $854K | 4 | 28.6% |
| #30 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $1.8M | 4 | 26.7% |
| #30 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.6M | 4 | 12.9% |
| #30 | Joseph Galayda | 65345 | Millenium Home Mortgage, LLC | 51519 | Westfield, NJ | $1.4M | 4 | 25.0% |
| #30 | Anthony Ciullo | 144273 | Northpointe Bank | 447490 | Parsippany, NJ | $1.5M | 4 | 30.8% |
| #30 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $1.7M | 4 | 13.3% |
| #30 | Christofer Wilhelm | 111160 | Guaranteed Rate, Inc. | 2611 | Berlin, NJ | $2.0M | 4 | 20.0% |
| #30 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $923K | 4 | 36.4% |
| #30 | Troy Sears | 216683 | CrossCountry Mortgage, LLC | 3029 | Morganville, NJ | $1.9M | 4 | 23.5% |
| #42 | Alicia Walters | 460238 | loanDepot.com, LLC | 174457 | Northfield, NJ | $988K | 3 | 9.4% |
| #42 | Kerry Maguire | 190616 | Preferred Funding Services, Inc. | 135842 | Columbus, NJ | $991K | 3 | 27.3% |
| #42 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $1.3M | 3 | 15.0% |
| #42 | Joshua Blair | 241845 | CMG Mortgage, Inc. | 1820 | Paramus, NJ | $1.2M | 3 | 11.5% |
| #42 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $3.7M | 3 | 25.0% |
| #42 | Martin Witzburg | 202853 | Cornerstone First Mortgage, LLC | 173855 | Clark, NJ | $1.1M | 3 | 27.3% |
| #42 | Adam Meyer | 222548 | Affordable Mortgage Advisors, LLC | 139164 | Gibbsboro, NJ | $744K | 3 | 25.0% |
| #42 | Jahn Beckler | 145742 | A-M-S Mortgage Services, Inc. | 20843 | Newark, NJ | $1.3M | 3 | 14.3% |
| #42 | Michael Varjian | 688983 | American Mortgage Partners Inc. | 1735381 | Little Falls, NJ | $964K | 3 | 30.0% |
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 Loan Count — New Jersey (2023). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2023
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