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 October 11, 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 | 75.0% |
| #2 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $4.5M | 12 | 25.0% |
| #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 | IWONA KARPETA | 464316 | UNITED POLES FEDERAL CREDIT UNION | 464203 | Perth Amboy, NJ | $1.0M | 9 | 81.8% |
| #6 | James Anzano | 209792 | Glendenning Mortgage Corporation | 209086 | Toms River, NJ | $3.5M | 9 | 64.3% |
| #8 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $2.8M | 8 | 53.3% |
| #8 | James Eville | 142428 | Unity Bank | 617337 | Clinton, NJ | $5.7M | 8 | 44.4% |
| #10 | Nancy Culp | 780425 | First Financial Federal Credit Union | 685814 | — | $450K | 7 | 70.0% |
| #10 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $1.7M | 7 | 17.1% |
| #10 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $1.3M | 7 | 18.9% |
| #10 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $2.8M | 7 | 20.0% |
| #10 | Jennifer Andreyev | 419035 | Wells Fargo Bank, National Association | 399801 | Red Bank, NJ | $2.8M | 7 | 46.7% |
| #15 | Joseph Vitiello | 1992076 | CrossCountry Mortgage, LLC | 3029 | Parsippany, NJ | $2.3M | 6 | 60.0% |
| #15 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $2.8M | 6 | 40.0% |
| #15 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $818K | 6 | 35.3% |
| #15 | Maura Weiss | 1085140 | Wells Fargo Bank, National Association | 399801 | — | $2.1M | 6 | 60.0% |
| #15 | Andrea Martinez | 404079 | Wells Fargo Bank, National Association | 399801 | Short Hills, NJ | $2.3M | 6 | 60.0% |
| #15 | michael santos | 199875 | LionOak Mortgage LLC | 2537226 | Springfield, NJ | $1.9M | 6 | 50.0% |
| #15 | MARIA MCNEELY | 802214 | First Harvest Federal Credit Union | 771963 | — | $393K | 6 | 31.6% |
| #15 | Michael Bellano | 210931 | Hartford Funding, Ltd. | 58160 | Woodbury, NY | $2.0M | 6 | 54.5% |
| #15 | Jenny Barnes | 890233 | Manasquan Bank | 479346 | Manasquan, NJ | $319K | 6 | 60.0% |
| #15 | Anthony Marone | 1190158 | Lend Mortgage LLC | 2639652 | Manalapan, NJ | $2.8M | 6 | 37.5% |
| #25 | Carlos Figueira | 147484 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $1.7M | 5 | 20.0% |
| #25 | Eugene Brown | 149265 | Mid Penn Bank | 514439 | Mount Laurel, NJ | $2.3M | 5 | 35.7% |
| #25 | Jeremy Press | 626305 | JPMorgan Chase Bank, National Association | 399798 | Hazlet, NJ | $1.0M | 5 | 45.5% |
| #25 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.2M | 5 | 11.6% |
| #25 | Justin Freedman | 292172 | CMG Mortgage, Inc. | 1820 | Paramus, NJ | $2.3M | 5 | 41.7% |
| #30 | Gregory Morga | 1713874 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Toms River, NJ | $1.2M | 4 | 28.6% |
| #30 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.6M | 4 | 13.3% |
| #30 | Sean Clark | 111333 | Advisors Mortgage Group, L.L.C. | 33041 | — | $2.1M | 4 | 30.8% |
| #30 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $2.5M | 4 | 36.4% |
| #30 | Christofer Wilhelm | 111160 | Guaranteed Rate, Inc. | 2611 | Berlin, NJ | $2.0M | 4 | 19.0% |
| #30 | Joseph Galayda | 65345 | Millenium Home Mortgage, LLC | 51519 | Westfield, NJ | $1.4M | 4 | 25.0% |
| #30 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $923K | 4 | 36.4% |
| #30 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $1.7M | 4 | 13.3% |
| #30 | Troy Sears | 216683 | CrossCountry Mortgage, LLC | 3029 | Morganville, NJ | $1.9M | 4 | 23.5% |
| #30 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $1.8M | 4 | 26.7% |
| #30 | Alon Tabak | 588942 | New American Funding, LLC | 6606 | Toms River, NJ | $1.8M | 4 | 36.4% |
| #30 | Anthony Ciullo | 144273 | Northpointe Bank | 447490 | Parsippany, NJ | $1.5M | 4 | 30.8% |
| #42 | Amy Wright | 1396495 | Navy Federal Credit Union | 399807 | Cherry Hill, NJ | $817K | 3 | 30.0% |
| #42 | John Kussmaul | 466450 | TD Bank NA | 399800 | Brick, NJ | $258K | 3 | 27.3% |
| #42 | Robert Faust | 9380 | First Alliance Home Mortgage, LLC | 5034 | Fort Myers, FL | $1.0M | 3 | 27.3% |
| #42 | Rawish Sewnath | 597975 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | East Rutherford, NJ | $945K | 3 | 30.0% |
| #42 | Wilfred Croteau | 310836 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $985K | 3 | 30.0% |
| #42 | GREGORY HORNEFF | 149279 | Mid Penn Bank | 514439 | Mount Laurel, NJ | $643K | 3 | 25.0% |
| #42 | Vikram Patel | 1405104 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | East Brunswick, NJ | $1.1M | 3 | 30.0% |
| #42 | Eric Hutton | 1508050 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | East Brunswick, NJ | $899K | 3 | 23.1% |
| #42 | Kristofer Jones | 408620 | Advisors Mortgage Group, L.L.C. | 33041 | Wall Township, NJ | $1.0M | 3 | 15.8% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2023
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