Retention champions in New Jersey in 2024, 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 Baret Kechian (loanDepot.com, LLC, NMLS #9411), Michael Carvajal (Informed Mortgage LLC, NMLS #214865), and Viral Mistry (Kwik Mortgage Corporation, NMLS #223886).
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 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $35.4M | 52 | 43.7% |
| #2 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $15.6M | 35 | 62.5% |
| #3 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $19.8M | 31 | 77.5% |
| #4 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $3.1M | 25 | 80.6% |
| #5 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $8.9M | 23 | 32.9% |
| #6 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.7M | 22 | 22.9% |
| #6 | Taylor Plesh | 1141405 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.7M | 22 | 39.3% |
| #8 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $9.3M | 17 | 63.0% |
| #9 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $12.3M | 16 | 64.0% |
| #10 | Carlos Rosario | 264752 | CrossCountry Mortgage, LLC | 3029 | Miami, FL | $5.0M | 15 | 55.6% |
| #10 | Nancy Culp | 780425 | First Financial Federal Credit Union | 685814 | — | $1.2M | 15 | 65.2% |
| #10 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $6.2M | 15 | 30.6% |
| #13 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $1.8M | 14 | 60.9% |
| #13 | Lori Gordon | 1614667 | Central Jersey Federal Credit Union | 523075 | Woodbridge, NJ | $1.8M | 14 | 77.8% |
| #15 | Charles Hawthorne | 1173731 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $6.0M | 13 | 50.0% |
| #15 | Craig Andriulli | 212830 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $7.3M | 13 | 36.1% |
| #15 | Peter Strauss | 271100 | Second Generation Mortgage Group, LLC | 231019 | Tinton Falls, NJ | $6.7M | 13 | 72.2% |
| #15 | David Pressel | 562175 | Bayshore Mortgage Funding, LLC | 196858 | Maplewood, NJ | $6.4M | 13 | 86.7% |
| #19 | Nicholas Montani | 1601794 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $5.8M | 12 | 63.2% |
| #19 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $5.9M | 12 | 26.1% |
| #19 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $5.9M | 12 | 29.3% |
| #22 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $5.6M | 11 | 28.9% |
| #22 | Fabio Gulla | 69827 | Luminate Bank | 1281698 | Little Falls, NJ | $6.7M | 11 | 57.9% |
| #22 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $4.1M | 11 | 39.3% |
| #22 | Jonathan Menk | 1077394 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $3.9M | 11 | 32.4% |
| #22 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $6.5M | 11 | 64.7% |
| #22 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $4.3M | 11 | 78.6% |
| #22 | Christopher Di Girolamo | 64374 | Forward Mortgage, L.L.C. | 1626839 | Fairfield, NJ | $5.3M | 11 | 64.7% |
| #29 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $5.1M | 10 | 52.6% |
| #29 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $5.6M | 10 | 55.6% |
| #29 | Anthony Villanova | 107112 | VILLA NOVA FINANCING GROUP, LLC | 106716 | Warren, NJ | $4.9M | 10 | 55.6% |
| #29 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $5.5M | 10 | 31.3% |
| #29 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $3.5M | 10 | 71.4% |
| #29 | Keith Gordon | 365969 | Aspire Home Mortgage Inc | 1497810 | Marlton, NJ | $3.7M | 10 | 62.5% |
| #29 | Victor Cale | 587325 | Fairway Independent Mortgage Corporation | 2289 | West Long Branch, NJ | $5.0M | 10 | 43.5% |
| #36 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $5.4M | 9 | 56.3% |
| #36 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $5.0M | 9 | 32.1% |
| #36 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $4.1M | 9 | 32.1% |
| #36 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $4.2M | 9 | 52.9% |
| #36 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $2.8M | 9 | 52.9% |
| #36 | TRUPTI GANDHI | 223957 | Heritage Financial Corporation | 137218 | Jersey City, NJ | $4.5M | 9 | 32.1% |
| #36 | Vincent Alvarez | 298230 | Platinum Mortgage, LLC | 533075 | Union, NJ | $2.3M | 9 | 56.3% |
| #36 | Joseph Bonaduce | 113188 | Movement Mortgage, LLC | 39179 | Bridgewater, NJ | $3.8M | 9 | 32.1% |
| #36 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $4.8M | 9 | 90.0% |
| #45 | Michael Varjian | 688983 | American Mortgage Partners Inc. | 1735381 | Little Falls, NJ | $4.4M | 8 | 47.1% |
| #45 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $5.0M | 8 | 26.7% |
| #45 | Vincent Giordano | 202683 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $3.8M | 8 | 57.1% |
| #45 | Jessica Mendez | 252835 | think one mortgage inc | 125182 | Denville, NJ | $4.4M | 8 | 42.1% |
| #45 | John Mirenda | 41586 | Affordable Mortgage Advisors, LLC | 139164 | Gibbsboro, NJ | $2.9M | 8 | 30.8% |
| #45 | Nilesh Desai | 23440 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $3.2M | 8 | 57.1% |
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 (2024). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2024
Powered by ChatMMI