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 May 28, 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 | $34.3M | 51 | 44.0% |
| #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 | 34.3% |
| #6 | Taylor Plesh | 1141405 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.7M | 22 | 39.3% |
| #6 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.7M | 22 | 22.7% |
| #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 | Nancy Culp | 780425 | First Financial Federal Credit Union | 685814 | — | $1.2M | 15 | 65.2% |
| #9 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $6.2M | 15 | 31.3% |
| #9 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $9.7M | 15 | 62.5% |
| #13 | Lori Gordon | 1614667 | Central Jersey Federal Credit Union | 523075 | Woodbridge, NJ | $1.8M | 14 | 77.8% |
| #13 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $1.8M | 14 | 60.9% |
| #15 | Peter Strauss | 271100 | Second Generation Mortgage Group, LLC | 231019 | Tinton Falls, NJ | $6.7M | 13 | 72.2% |
| #15 | Craig Andriulli | 212830 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $7.3M | 13 | 36.1% |
| #15 | David Pressel | 562175 | Bayshore Mortgage Funding, LLC | 196858 | Maplewood, NJ | $6.4M | 13 | 86.7% |
| #15 | Charles Hawthorne | 1173731 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $6.0M | 13 | 50.0% |
| #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% |
| #21 | Jonathan Menk | 1077394 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $3.9M | 11 | 32.4% |
| #21 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $6.5M | 11 | 64.7% |
| #21 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $5.6M | 11 | 28.9% |
| #21 | Nicholas Montani | 1601794 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $5.4M | 11 | 61.1% |
| #21 | Christopher Di Girolamo | 64374 | Forward Mortgage, L.L.C. | 1626839 | Fairfield, NJ | $5.3M | 11 | 64.7% |
| #21 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $4.1M | 11 | 39.3% |
| #21 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $4.3M | 11 | 78.6% |
| #21 | Fabio Gulla | 69827 | Luminate Bank | 1281698 | Little Falls, NJ | $6.7M | 11 | 57.9% |
| #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% |
| #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 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $3.5M | 10 | 71.4% |
| #29 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $5.1M | 10 | 52.6% |
| #29 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $5.5M | 10 | 31.3% |
| #36 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $4.8M | 9 | 90.0% |
| #36 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $4.1M | 9 | 32.1% |
| #36 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $5.4M | 9 | 56.3% |
| #36 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $4.2M | 9 | 52.9% |
| #36 | Vincent Alvarez | 298230 | Platinum Mortgage, LLC | 533075 | Union, NJ | $2.3M | 9 | 56.3% |
| #36 | TRUPTI GANDHI | 223957 | Heritage Financial Corporation | 137218 | Jersey City, NJ | $4.5M | 9 | 32.1% |
| #36 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $2.8M | 9 | 52.9% |
| #43 | Monica Ferreira | 1218904 | A-M-S Mortgage Services, Inc. | 20843 | Newark, NJ | $3.5M | 8 | 66.7% |
| #43 | Vincent Giordano | 202683 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $3.8M | 8 | 57.1% |
| #43 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $5.0M | 8 | 44.4% |
| #43 | John Mirenda | 41586 | Affordable Mortgage Advisors, LLC | 139164 | Gibbsboro, NJ | $2.9M | 8 | 30.8% |
| #43 | Nilesh Desai | 23440 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $3.2M | 8 | 57.1% |
| #43 | William Koedatich | 1361452 | Absolute Home Mortgage Corporation | 176743 | Fairfield, NJ | $4.0M | 8 | 66.7% |
| #43 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $4.3M | 8 | 42.1% |
| #43 | Michael Varjian | 688983 | American Mortgage Partners Inc. | 1735381 | Little Falls, NJ | $4.4M | 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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2024
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