Retention champions in New Jersey in 2025, 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), Rajiv Bedi (American Preferred Mortgage Corp., NMLS #285881), and Christopher Keelin (CrossCountry Mortgage, LLC, NMLS #63764).
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 | $71.9M | 100 | 49.8% |
| #2 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $20.6M | 46 | 75.4% |
| #2 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $21.7M | 46 | 34.3% |
| #4 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $19.4M | 43 | 58.9% |
| #4 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $38.2M | 43 | 72.9% |
| #6 | XU HAN | 1716710 | TD Bank NA | 399800 | Jersey City, NJ | $33.8M | 35 | 79.5% |
| #6 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $20.7M | 35 | 58.3% |
| #8 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $22.2M | 34 | 69.4% |
| #9 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $14.9M | 31 | 62.0% |
| #10 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $4.2M | 29 | 65.9% |
| #10 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $16.2M | 29 | 72.5% |
| #12 | Manish Shah | 1994538 | ENSURE HOME LOANS LLC | 1666674 | Grand Prairie, TX | $15.6M | 28 | 73.7% |
| #12 | Karie Buchanan | 1934503 | K. Hovnanian American Mortgage, L.L.C. | 3259 | Boynton Beach, FL | $14.9M | 28 | 32.9% |
| #12 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $12.7M | 28 | 37.3% |
| #15 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $17.4M | 27 | 33.3% |
| #16 | Michael Stepek | 28268 | Guaranteed Rate Affinity, LLC | 1598647 | Westfield, NJ | $18.7M | 25 | 61.0% |
| #16 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $13.3M | 25 | 30.1% |
| #16 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $8.8M | 25 | 67.6% |
| #19 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $14.2M | 24 | 70.6% |
| #19 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $4.4M | 24 | 66.7% |
| #21 | Michael Chuyan | 1591801 | Movement Mortgage, LLC | 39179 | Totowa, NJ | $12.4M | 23 | 88.5% |
| #21 | Vincent Giordano | 202683 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $12.5M | 23 | 62.2% |
| #23 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $9.4M | 22 | 62.9% |
| #24 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $9.8M | 21 | 51.2% |
| #24 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $13.0M | 21 | 72.4% |
| #24 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $13.9M | 21 | 32.3% |
| #24 | Todd Harrington | 869718 | Brightwire Loans LLC | 1074453 | River Edge, NJ | $9.8M | 21 | 65.6% |
| #24 | Erez Shimoni | 460222 | Petra Cephas Inc | 1222300 | Piscataway, NJ | $9.7M | 21 | 61.8% |
| #29 | Megan McDermott | 90194 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $5.4M | 20 | 60.6% |
| #29 | Steven Esses | 858678 | FM Home Loans, LLC | 2212 | Brooklyn, NY | $4.5M | 20 | 100.0% |
| #29 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $34.1M | 20 | 64.5% |
| #29 | Peter Strauss | 271100 | Second Generation Mortgage Group, LLC | 231019 | Tinton Falls, NJ | $8.0M | 20 | 83.3% |
| #33 | Daniel Lemeshev | 1666662 | CrossCountry Mortgage, LLC | 3029 | Hoboken, NJ | $15.0M | 19 | 45.2% |
| #33 | Kinjal Patel | 2395996 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $9.9M | 19 | 82.6% |
| #33 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $11.0M | 19 | 65.5% |
| #33 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $5.3M | 19 | 34.5% |
| #37 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $7.7M | 18 | 37.5% |
| #37 | oleg zaltsman | 145240 | Dynasty Mortgage Network LLC | 141917 | Brielle, NJ | $9.2M | 18 | 66.7% |
| #37 | Jason Geary | 589283 | Guaranteed Rate Affinity, LLC | 1598647 | Mendham, NJ | $9.9M | 18 | 51.4% |
| #40 | Nchemya Leiman | 73753 | Leiman Mortgage Network LLC | 17280 | Lakewood, NJ | $9.3M | 17 | 63.0% |
| #40 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $9.4M | 17 | 47.2% |
| #40 | Alessandra Davis | 172843 | CrossCountry Mortgage, LLC | 3029 | Delray Beach, FL | $3.7M | 17 | 53.1% |
| #40 | Stephen Domenick | 2134885 | Legacy Mortgage Group Inc | 2533102 | Clifton, NJ | $9.4M | 17 | 77.3% |
| #44 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $13.5M | 16 | 25.8% |
| #44 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $8.4M | 16 | 57.1% |
| #44 | Pinky Shah | 254596 | Better Mortgage Corporation | 330511 | Plainsboro, NJ | $5.1M | 16 | 53.3% |
| #44 | Matthew Sura | 234074 | Union Home Mortgage Corp. | 2229 | Cranford, NJ | $7.4M | 16 | 53.3% |
| #44 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $10.7M | 16 | 26.7% |
| #44 | Xinhua Zhou | 218383 | Reliance Capital Inc | 218653 | Edison, NJ | $9.7M | 16 | 57.1% |
| #50 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $7.1M | 15 | 50.0% |
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 (2025). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2025
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