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 July 13, 2026, the top 3 include Gerard Murphy (Kearny Bank, NMLS #855569), Michael Carvajal (Informed Mortgage LLC, NMLS #214865), and Christopher Gallo (CrossCountry Mortgage, LLC, NMLS #60863).
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 Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $6.2M | 10 | 22.2% |
| #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% |
| #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 | Jennifer Andreyev | 419035 | Wells Fargo Bank, National Association | 399801 | Red Bank, NJ | $2.8M | 7 | 46.7% |
| #10 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $2.8M | 7 | 19.4% |
| #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 | 17.5% |
| #10 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $1.3M | 7 | 18.4% |
| #15 | Andrea Martinez | 404079 | Wells Fargo Bank, National Association | 399801 | Short Hills, NJ | $2.3M | 6 | 60.0% |
| #15 | Maura Weiss | 1085140 | Wells Fargo Bank, National Association | 399801 | — | $2.1M | 6 | 60.0% |
| #15 | Anthony Marone | 1190158 | Lend Mortgage LLC | 2639652 | Manalapan, NJ | $2.8M | 6 | 37.5% |
| #15 | MARIA MCNEELY | 802214 | First Harvest Federal Credit Union | 771963 | — | $393K | 6 | 33.3% |
| #15 | Jenny Barnes | 890233 | Manasquan Bank | 479346 | Manasquan, NJ | $319K | 6 | 60.0% |
| #15 | Michael Bellano | 210931 | Hartford Funding, Ltd. | 58160 | Woodbury, NY | $2.0M | 6 | 54.5% |
| #15 | michael santos | 199875 | LionOak Mortgage LLC | 2537226 | Springfield, NJ | $1.9M | 6 | 50.0% |
| #15 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $818K | 6 | 35.3% |
| #15 | Joseph Vitiello | 1992076 | CrossCountry Mortgage, LLC | 3029 | Parsippany, NJ | $2.3M | 6 | 60.0% |
| #24 | Eugene Brown | 149265 | Mid Penn Bank | 514439 | Mount Laurel, NJ | $2.3M | 5 | 35.7% |
| #24 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $2.1M | 5 | 35.7% |
| #24 | Carlos Figueira | 147484 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $1.7M | 5 | 20.0% |
| #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 | Jeremy Press | 626305 | JPMorgan Chase Bank, National Association | 399798 | Hazlet, NJ | $1.0M | 5 | 45.5% |
| #30 | Alon Tabak | 588942 | New American Funding, LLC | 6606 | Toms River, NJ | $1.8M | 4 | 36.4% |
| #30 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $1.8M | 4 | 26.7% |
| #30 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $2.5M | 4 | 40.0% |
| #30 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $923K | 4 | 36.4% |
| #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 | Joseph Galayda | 65345 | Millenium Home Mortgage, LLC | 51519 | Westfield, NJ | $1.4M | 4 | 25.0% |
| #30 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $1.6M | 4 | 12.9% |
| #30 | Gregory Morga | 1713874 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Toms River, NJ | $1.2M | 4 | 28.6% |
| #30 | Troy Sears | 216683 | CrossCountry Mortgage, LLC | 3029 | Morganville, NJ | $1.9M | 4 | 23.5% |
| #40 | Thomas Bickett | 116937 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sewell, NJ | $812K | 3 | 20.0% |
| #40 | Amy Wright | 1396495 | Navy Federal Credit Union | 399807 | Cherry Hill, NJ | $817K | 3 | 30.0% |
| #40 | Steve Vetter | 130564 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Toms River, NJ | $977K | 3 | 11.1% |
| #40 | Carol DeGrace | 149276 | First Citizens Community Bank | 401353 | Mount Laurel, NJ | $749K | 3 | 25.0% |
| #40 | Jacqueline Koven | 252596 | CrossCountry Mortgage, LLC | 3029 | Summit, NJ | $1.3M | 3 | 30.0% |
| #40 | Lillian Hernandez | 403901 | TD Bank NA | 399800 | Mercerville, NJ | $369K | 3 | 18.8% |
| #40 | Kristofer Jones | 408620 | Advisors Mortgage Group, L.L.C. | 33041 | Wall Township, NJ | $1.0M | 3 | 16.7% |
| #40 | Casey Coyle | 1682317 | NFM Lending, LLC | 2893 | Haddonfield, NJ | $752K | 3 | 30.0% |
| #40 | Lauren Cella | 57901 | Nova Financial & Investment Corporation | 3087 | Marlton, NJ | $916K | 3 | 30.0% |
| #40 | Jennifer Zinna-Chatman | 269708 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $1.4M | 3 | 27.3% |
| #40 | Vikram Patel | 1405104 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | East Brunswick, NJ | $1.1M | 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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2023
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