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 October 11, 2026, the top 3 include Baret Kechian (loanDepot.com, LLC, NMLS #9411), Christopher Keelin (CrossCountry Mortgage, LLC, NMLS #63764), and Rajiv Bedi (American Preferred Mortgage Corp., NMLS #285881).
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 | $74.2M | 103 | 50.2% |
| #2 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $23.5M | 49 | 35.5% |
| #3 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $20.6M | 46 | 75.4% |
| #4 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $39.8M | 44 | 74.6% |
| #5 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $19.4M | 43 | 58.9% |
| #6 | XU HAN | 1716710 | TD Bank NA | 399800 | Jersey City, NJ | $35.6M | 37 | 78.7% |
| #7 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $23.0M | 36 | 69.2% |
| #8 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $20.7M | 35 | 57.4% |
| #9 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $15.2M | 32 | 62.7% |
| #10 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $14.0M | 30 | 38.5% |
| #10 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $4.3M | 30 | 66.7% |
| #12 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $16.2M | 29 | 72.5% |
| #13 | Manish Shah | 1994538 | ENSURE HOME LOANS LLC | 1666674 | Grand Prairie, TX | $15.6M | 28 | 73.7% |
| #14 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $17.4M | 27 | 31.8% |
| #15 | Karie Buchanan | 1934503 | K. Hovnanian American Mortgage, L.L.C. | 3259 | Boynton Beach, FL | $13.5M | 26 | 31.7% |
| #16 | Michael Stepek | 28268 | Guaranteed Rate Affinity, LLC | 1598647 | Westfield, NJ | $18.7M | 25 | 59.5% |
| #16 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $8.8M | 25 | 67.6% |
| #16 | Mark Ramos | 216938 | CrossCountry Mortgage, LLC | 3029 | Toms River, NJ | $4.6M | 25 | 67.6% |
| #16 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $13.3M | 25 | 30.1% |
| #20 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $14.2M | 24 | 70.6% |
| #20 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $39.7M | 24 | 68.6% |
| #22 | Vincent Giordano | 202683 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $12.5M | 23 | 62.2% |
| #22 | Michael Chuyan | 1591801 | CMG Mortgage, Inc. | 1820 | Paramus, NJ | $12.4M | 23 | 85.2% |
| #24 | Todd Harrington | 869718 | Brightwire Loans LLC | 1074453 | River Edge, NJ | $10.4M | 22 | 68.8% |
| #24 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $9.4M | 22 | 62.9% |
| #24 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $6.0M | 22 | 37.9% |
| #27 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $13.0M | 21 | 72.4% |
| #27 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $13.9M | 21 | 31.8% |
| #27 | Erez Shimoni | 460222 | Petra Cephas Inc | 1222300 | Piscataway, NJ | $9.7M | 21 | 61.8% |
| #27 | Steven Esses | 858678 | FM Home Loans, LLC | 2212 | Brooklyn, NY | $4.8M | 21 | 100.0% |
| #27 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $9.8M | 21 | 48.8% |
| #32 | Megan McDermott | 90194 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $5.4M | 20 | 60.6% |
| #32 | Daniel Lemeshev | 1666662 | CrossCountry Mortgage, LLC | 3029 | Hoboken, NJ | $16.6M | 20 | 45.5% |
| #32 | Peter Strauss | 271100 | Second Generation Mortgage Group, LLC | 231019 | Tinton Falls, NJ | $8.0M | 20 | 80.0% |
| #35 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $11.0M | 19 | 65.5% |
| #35 | oleg zaltsman | 145240 | Dynasty Mortgage Network LLC | 141917 | Brielle, NJ | $9.7M | 19 | 67.9% |
| #35 | Kinjal Patel | 2395996 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $9.9M | 19 | 82.6% |
| #38 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $7.7M | 18 | 37.5% |
| #38 | Jason Geary | 589283 | Guaranteed Rate Affinity, LLC | 1598647 | Mendham, NJ | $9.9M | 18 | 51.4% |
| #38 | Alessandra Davis | 172843 | CrossCountry Mortgage, LLC | 3029 | Aventura, FL | $4.2M | 18 | 54.5% |
| #41 | Stephen Domenick | 2134885 | Legacy Mortgage Group Inc | 2533102 | Clifton, NJ | $9.4M | 17 | 77.3% |
| #41 | MAYER WEISS | 175269 | Ark Mortgage, Inc. | 103915 | Lakewood, NJ | $6.7M | 17 | 77.3% |
| #41 | Pinky Shah | 254596 | Better Mortgage Corporation | 330511 | Plainsboro, NJ | $5.4M | 17 | 51.5% |
| #41 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $11.4M | 17 | 27.4% |
| #41 | Nchemya Leiman | 73753 | Leiman Mortgage Network LLC | 17280 | Lakewood, NJ | $9.3M | 17 | 63.0% |
| #41 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $9.4M | 17 | 47.2% |
| #47 | Michael Read | 215865 | Bridgeway Mortgage LLC | 740040 | Morristown, NJ | $7.2M | 16 | 69.6% |
| #47 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $13.5M | 16 | 26.2% |
| #47 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $8.4M | 16 | 57.1% |
| #47 | Xinhua Zhou | 218383 | Reliance Capital Inc | 218653 | Edison, NJ | $9.7M | 16 | 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 (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2025
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