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 May 28, 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 | 25.5% |
| #3 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $1.0M | 10 | 62.5% |
| #3 | Christopher Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $6.2M | 10 | 22.2% |
| #3 | Patrick Butler | 404767 | Valley National Bank | 411254 | Wayne, NJ | $827K | 10 | 71.4% |
| #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 | 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 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $1.3M | 7 | 18.4% |
| #10 | Nancy Culp | 780425 | First Financial Federal Credit Union | 685814 | — | $450K | 7 | 70.0% |
| #10 | Jennifer Andreyev | 419035 | Wells Fargo Bank, National Association | 399801 | Point Pleasant Boro, NJ | $2.8M | 7 | 46.7% |
| #10 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $1.7M | 7 | 17.9% |
| #14 | Michael Bellano | 210931 | Hartford Funding, Ltd. | 58160 | Woodbury, NY | $2.0M | 6 | 54.5% |
| #14 | Maura Weiss | 1085140 | Wells Fargo Bank, National Association | 399801 | — | $2.1M | 6 | 60.0% |
| #14 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $2.7M | 6 | 17.6% |
| #14 | Anthony Marone | 1190158 | Lend Mortgage LLC | 2639652 | Manalapan, NJ | $2.8M | 6 | 37.5% |
| #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 | Joseph Vitiello | 1992076 | CrossCountry Mortgage, LLC | 3029 | Parsippany, NJ | $2.3M | 6 | 60.0% |
| #14 | Jenny Barnes | 890233 | Manasquan Bank | 479346 | Manasquan, NJ | $319K | 6 | 60.0% |
| #14 | michael santos | 199875 | LionOak Mortgage LLC | 2537226 | Springfield, NJ | $1.9M | 6 | 50.0% |
| #24 | Justin Freedman | 292172 | BoxCar Mortgage, LLC | 1969375 | Parsippany, NJ | $2.3M | 5 | 41.7% |
| #24 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.2M | 5 | 11.6% |
| #24 | Carlos Figueira | 147484 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $1.7M | 5 | 20.0% |
| #24 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $2.1M | 5 | 35.7% |
| #24 | Eugene Brown | 149265 | Mid Penn Bank | 514439 | Mount Laurel, NJ | $2.3M | 5 | 35.7% |
| #24 | Jeremy Press | 626305 | JPMorgan Chase Bank, National Association | 399798 | Hazlet, NJ | $1.0M | 5 | 45.5% |
| #30 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $2.5M | 4 | 40.0% |
| #30 | Anthony Ciullo | 144273 | Northpointe Bank | 447490 | Parsippany, NJ | $1.5M | 4 | 30.8% |
| #30 | Gregory Morga | 1713874 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Toms River, NJ | $1.2M | 4 | 28.6% |
| #30 | Alon Tabak | 588942 | Guaranteed Rate Affinity, LLC | 1598647 | Paramus, NJ | $1.8M | 4 | 33.3% |
| #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% |
| #30 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $1.8M | 4 | 26.7% |
| #30 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $1.7M | 4 | 13.8% |
| #30 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.6M | 4 | 12.9% |
| #39 | Lori Distelcamp | 409984 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $956K | 3 | 17.6% |
| #39 | William Turano | 247916 | loanDepot.com, LLC | 174457 | Neptune, NJ | $613K | 3 | 30.0% |
| #39 | Joshua Blair | 241845 | CMG Mortgage, Inc. | 1820 | Paramus, NJ | $1.2M | 3 | 11.5% |
| #39 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $1.3M | 3 | 15.0% |
| #39 | Gerald Spence | 244722 | Fairway Independent Mortgage Corporation | 2289 | Sewell, NJ | $694K | 3 | 23.1% |
| #39 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $3.7M | 3 | 23.1% |
| #39 | Matthew Keane | 12966 | Guaranteed Rate, Inc. | 2611 | Madison, NJ | $2.0M | 3 | 23.1% |
| #39 | Michael Varjian | 688983 | American Mortgage Partners Inc. | 1735381 | Little Falls, NJ | $964K | 3 | 30.0% |
| #39 | Christofer Wilhelm | 111160 | Guaranteed Rate, Inc. | 2611 | Berlin, NJ | $1.8M | 3 | 17.6% |
| #39 | Adam Meyer | 222548 | Cornerstone First Mortgage, LLC | 173855 | Gibbsboro, NJ | $744K | 3 | 25.0% |
| #39 | Kerry Maguire | 190616 | Preferred Funding Services, Inc. | 135842 | Columbus, NJ | $991K | 3 | 27.3% |
| #39 | Jahn Beckler | 145742 | A-M-S Mortgage Services, Inc. | 20843 | Newark, NJ | $1.3M | 3 | 14.3% |
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 (2023). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2023
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