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 October 11, 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 | $34.9M | 51 | 43.2% |
| #2 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $15.6M | 35 | 61.4% |
| #3 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $21.2M | 33 | 82.5% |
| #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% |
| #5 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $9.3M | 23 | 24.0% |
| #7 | 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 | Carlos Rosario | 264752 | CrossCountry Mortgage, LLC | 3029 | Miami, FL | $5.0M | 15 | 55.6% |
| #9 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $9.7M | 15 | 62.5% |
| #9 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $6.2M | 15 | 30.6% |
| #9 | Nancy Culp | 780425 | First Financial Federal Credit Union | 685814 | — | $1.2M | 15 | 65.2% |
| #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 | 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 | Charles Hawthorne | 1173731 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $6.0M | 13 | 50.0% |
| #15 | David Pressel | 562175 | Bayshore Mortgage Funding, LLC | 196858 | Maplewood, NJ | $6.4M | 13 | 86.7% |
| #19 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $5.9M | 12 | 26.7% |
| #19 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $5.9M | 12 | 29.3% |
| #19 | Nicholas Montani | 1601794 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $5.8M | 12 | 63.2% |
| #22 | Fabio Gulla | 69827 | Luminate Bank | 1281698 | Little Falls, NJ | $6.7M | 11 | 57.9% |
| #22 | Keith Gordon | 365969 | Aspire Home Mortgage Inc | 1497810 | Marlton, NJ | $4.1M | 11 | 68.8% |
| #22 | Christopher Di Girolamo | 64374 | Forward Mortgage, L.L.C. | 1626839 | Fairfield, NJ | $5.3M | 11 | 64.7% |
| #22 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $5.6M | 11 | 28.9% |
| #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 | Jonathan Menk | 1077394 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $3.9M | 11 | 32.4% |
| #22 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $4.1M | 11 | 39.3% |
| #30 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $5.5M | 10 | 31.3% |
| #30 | Victor Cale | 587325 | Fairway Independent Mortgage Corporation | 2289 | West Long Branch, NJ | $5.0M | 10 | 43.5% |
| #30 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $3.5M | 10 | 71.4% |
| #30 | Anthony Villanova | 107112 | VILLA NOVA FINANCING GROUP, LLC | 106716 | Warren, NJ | $4.9M | 10 | 55.6% |
| #30 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $5.5M | 10 | 34.5% |
| #30 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $4.3M | 10 | 35.7% |
| #30 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $5.6M | 10 | 55.6% |
| #30 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $3.5M | 10 | 55.6% |
| #30 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $5.1M | 10 | 52.6% |
| #39 | Vincent Alvarez | 298230 | Platinum Mortgage, LLC | 533075 | Union, NJ | $2.3M | 9 | 56.3% |
| #39 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $5.4M | 9 | 56.3% |
| #39 | Joseph Bonaduce | 113188 | Movement Mortgage, LLC | 39179 | Bridgewater, NJ | $3.8M | 9 | 33.3% |
| #39 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $4.8M | 9 | 90.0% |
| #39 | TRUPTI GANDHI | 223957 | Heritage Financial Corporation | 137218 | Jersey City, NJ | $4.5M | 9 | 32.1% |
| #39 | William Koedatich | 1361452 | Absolute Home Mortgage Corporation | 176743 | Fairfield, NJ | $4.2M | 9 | 69.2% |
| #39 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $4.2M | 9 | 52.9% |
| #46 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $12.6M | 8 | 72.7% |
| #46 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $9.3M | 8 | 66.7% |
| #46 | William McElroy | 48244 | CrossCountry Mortgage, LLC | 3029 | Sewell, NJ | $2.1M | 8 | 34.8% |
| #46 | Casey Coyle | 1682317 | NFM Lending, LLC | 2893 | Haddonfield, NJ | $2.5M | 8 | 32.0% |
| #46 | Jennifer Andreyev | 419035 | Wells Fargo Bank, National Association | 399801 | Red Bank, NJ | $3.2M | 8 | 47.1% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2024
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