Retention champions in New Jersey in 2026, 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 XU HAN (TD Bank NA, NMLS #1716710).
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 | $65.9M | 105 | 56.1% |
| #2 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $29.4M | 62 | 48.8% |
| #3 | XU HAN | 1716710 | TD Bank NA | 399800 | Jersey City, NJ | $36.7M | 41 | 91.1% |
| #4 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $21.2M | 39 | 83.0% |
| #5 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $19.7M | 36 | 63.2% |
| #6 | Alessandra Davis | 172843 | CrossCountry Mortgage, LLC | 3029 | Aventura, FL | $12.3M | 34 | 79.1% |
| #7 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $22.8M | 33 | 66.0% |
| #8 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $23.5M | 32 | 43.8% |
| #9 | Chanania Manies | 1607912 | Guaranteed Rate, Inc. | 2611 | Lakewood, NJ | $16.2M | 31 | 83.8% |
| #10 | Charles Hawthorne | 1173731 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $14.4M | 28 | 50.9% |
| #10 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $14.4M | 28 | 70.0% |
| #12 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $15.1M | 27 | 60.0% |
| #13 | Daniel Lemeshev | 1666662 | CrossCountry Mortgage, LLC | 3029 | Hoboken, NJ | $14.6M | 25 | 52.1% |
| #13 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $26.4M | 25 | 78.1% |
| #13 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $18.9M | 25 | 33.8% |
| #16 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $6.5M | 24 | 52.2% |
| #16 | Merlin Bahr | 2033251 | United Teletech Financial Federal Credit Union | 402779 | Tinton Falls, NJ | $2.5M | 24 | 75.0% |
| #16 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $14.6M | 24 | 66.7% |
| #19 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $12.1M | 23 | 69.7% |
| #19 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $11.3M | 23 | 74.2% |
| #21 | John Fornino | 145243 | Trinity Lending Company LLC | 2762052 | Wayne, NJ | $12.4M | 22 | 47.8% |
| #21 | Victor Cale | 587325 | Fairway Independent Mortgage Corporation | 2289 | West Long Branch, NJ | $10.9M | 22 | 47.8% |
| #21 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $35.5M | 22 | 81.5% |
| #24 | Brian Homowitz | 413782 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $11.0M | 21 | 44.7% |
| #24 | Megan McDermott | 90194 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $7.9M | 21 | 67.7% |
| #24 | Stephen Carpitella | 15331 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $8.0M | 21 | 65.6% |
| #27 | Julie Swartz | 29751 | Skyrock Mortgage Corp | 2106417 | Rutherford, NJ | $11.8M | 20 | 66.7% |
| #27 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $13.4M | 20 | 36.4% |
| #27 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $10.2M | 20 | 29.0% |
| #30 | Stephen Bachman | 403742 | CrossCountry Mortgage, LLC | 3029 | Ventnor City, NJ | $8.7M | 19 | 61.3% |
| #31 | Hemalatha Selvarajan | 1576677 | SI Mortgage Company | 68434 | Parsippany, NJ | $9.0M | 18 | 75.0% |
| #31 | Stephen Domenick | 2134885 | Legacy Mortgage Group Inc | 2533102 | Clifton, NJ | $9.4M | 18 | 75.0% |
| #31 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $9.0M | 18 | 69.2% |
| #31 | Blaise Menzoni | 244387 | Nation One Mortgage Corporation | 1564450 | Vineland, NJ | $6.8M | 18 | 18.8% |
| #31 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $9.6M | 18 | 56.3% |
| #31 | Daniella Hurley | 2040606 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $8.9M | 18 | 72.0% |
| #31 | Walter Gorman | 138370 | CrossCountry Mortgage, LLC | 3029 | Rutherford, NJ | $9.0M | 18 | 37.5% |
| #31 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $7.7M | 18 | 33.3% |
| #31 | Nicholas DeBari | 339313 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $10.8M | 18 | 75.0% |
| #31 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $8.4M | 18 | 66.7% |
| #31 | Jerry DeMaio | 980518 | CrossCountry Mortgage, LLC | 3029 | Shrewsbury, NJ | $8.6M | 18 | 46.2% |
| #31 | Mark Casamassina | 215272 | Luminate Bank | 1281698 | Little Falls, NJ | $8.2M | 18 | 27.3% |
| #43 | RUPAL GANDECHA | 2449153 | RBG Mortgage LLC | 2630626 | Princeton, NJ | $9.4M | 17 | 94.4% |
| #43 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $10.0M | 17 | 41.5% |
| #43 | Christopher Hartsough | 135033 | Credit Union of New Jersey | 401368 | Ewing, NJ | $2.5M | 17 | 48.6% |
| #43 | Michael Puorro | 267438 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $9.2M | 17 | 33.3% |
| #47 | Robie Kipnis | 408624 | loanDepot.com, LLC | 174457 | Shrewsbury, NJ | $5.7M | 16 | 66.7% |
| #47 | Michele Perrulli | 831792 | Advisors Mortgage Group, L.L.C. | 33041 | Oceanport, NJ | $10.6M | 16 | 66.7% |
| #47 | Carlos Figueira | 147484 | Keypoint Mortgage, LLC | 298422 | Florham Park, NJ | $8.2M | 16 | 34.0% |
| #47 | Troy Sears | 216683 | CrossCountry Mortgage, LLC | 3029 | Morganville, NJ | $9.2M | 16 | 43.2% |
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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-units/2026
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