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 July 13, 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 | 43.3% |
| #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 | 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 | 30.6% |
| #9 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $9.7M | 15 | 62.5% |
| #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 | 26.1% |
| #19 | Nicholas Montani | 1601794 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $5.8M | 12 | 63.2% |
| #19 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $5.9M | 12 | 29.3% |
| #22 | Jonathan Menk | 1077394 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $3.9M | 11 | 32.4% |
| #22 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $4.3M | 11 | 78.6% |
| #22 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $5.6M | 11 | 28.9% |
| #22 | Christopher Di Girolamo | 64374 | Forward Mortgage, L.L.C. | 1626839 | Fairfield, NJ | $5.3M | 11 | 64.7% |
| #22 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $6.5M | 11 | 64.7% |
| #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% |
| #29 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $3.5M | 10 | 71.4% |
| #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 | Keith Gordon | 365969 | Aspire Home Mortgage Inc | 1497810 | Marlton, NJ | $3.7M | 10 | 62.5% |
| #29 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $5.5M | 10 | 31.3% |
| #29 | Victor Cale | 587325 | Fairway Independent Mortgage Corporation | 2289 | West Long Branch, NJ | $5.0M | 10 | 43.5% |
| #29 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $5.1M | 10 | 52.6% |
| #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 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $4.2M | 9 | 52.9% |
| #36 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $5.0M | 9 | 32.1% |
| #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 | TRUPTI GANDHI | 223957 | Heritage Financial Corporation | 137218 | Jersey City, NJ | $4.5M | 9 | 32.1% |
| #36 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $5.4M | 9 | 56.3% |
| #36 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $2.8M | 9 | 52.9% |
| #45 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $9.3M | 8 | 66.7% |
| #45 | John Fornino | 145243 | Trinity Lending Company LLC | 2762052 | Wayne, NJ | $4.4M | 8 | 40.0% |
| #45 | William McElroy | 48244 | CrossCountry Mortgage, LLC | 3029 | Sewell, NJ | $2.1M | 8 | 34.8% |
| #45 | Jennifer Andreyev | 419035 | Wells Fargo Bank, National Association | 399801 | Red Bank, NJ | $3.2M | 8 | 47.1% |
| #45 | Casey Coyle | 1682317 | NFM Lending, LLC | 2893 | Haddonfield, NJ | $2.5M | 8 | 32.0% |
| #45 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $12.6M | 8 | 72.7% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2024
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