Retention champions in New Jersey in 2024, ranked by total volume. 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), Viral Mistry (Kwik Mortgage Corporation, NMLS #223886), and Michael Carvajal (Informed Mortgage LLC, NMLS #214865).
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 | $34.9M | 51 | 43.2% |
| #2 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $21.2M | 33 | 82.5% |
| #3 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $15.6M | 35 | 61.4% |
| #4 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $12.6M | 8 | 72.7% |
| #5 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $9.7M | 15 | 62.5% |
| #6 | Russell Rinaldi | 495026 | JFC Funding LLC | 1111851 | Waldwick, NJ | $9.3M | 17 | 63.0% |
| #7 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $9.3M | 8 | 66.7% |
| #8 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $9.3M | 23 | 24.0% |
| #9 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $8.9M | 23 | 32.9% |
| #10 | Taylor Plesh | 1141405 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.7M | 22 | 39.3% |
| #11 | Craig Andriulli | 212830 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $7.3M | 13 | 36.1% |
| #12 | Fabio Gulla | 69827 | Luminate Bank | 1281698 | Little Falls, NJ | $6.7M | 11 | 57.9% |
| #13 | Peter Strauss | 271100 | Second Generation Mortgage Group, LLC | 231019 | Tinton Falls, NJ | $6.7M | 13 | 72.2% |
| #14 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $6.5M | 11 | 64.7% |
| #15 | David Pressel | 562175 | Bayshore Mortgage Funding, LLC | 196858 | Maplewood, NJ | $6.4M | 13 | 86.7% |
| #16 | Dana Gounaris | 13818 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $6.2M | 15 | 30.6% |
| #17 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $6.0M | 7 | 22.6% |
| #18 | 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 | 26.7% |
| #20 | Matthew Keane | 12966 | Guaranteed Rate, Inc. | 2611 | Madison, NJ | $5.9M | 8 | 50.0% |
| #21 | DHAWAL KADAKIA | 278254 | American Royal Mortgage Corp. | 35321 | Iselin, NJ | $5.9M | 12 | 29.3% |
| #22 | Nicholas Montani | 1601794 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $5.8M | 12 | 63.2% |
| #23 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $5.6M | 11 | 28.9% |
| #24 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $5.6M | 10 | 55.6% |
| #25 | Niket Patankar | 13376 | Predian Financial Services, LLC | 1845766 | Short Hills, NJ | $5.5M | 8 | 57.1% |
| #26 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $5.5M | 10 | 34.5% |
| #27 | john carvalho | 280297 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $5.5M | 10 | 31.3% |
| #28 | Mohamed Illyas | 129448 | CrossCountry Mortgage, LLC | 3029 | Oradell, NJ | $5.4M | 9 | 56.3% |
| #29 | Christopher Di Girolamo | 64374 | Forward Mortgage, L.L.C. | 1626839 | Fairfield, NJ | $5.3M | 11 | 64.7% |
| #30 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $5.1M | 10 | 52.6% |
| #31 | Carlos Rosario | 264752 | CrossCountry Mortgage, LLC | 3029 | Miami, FL | $5.0M | 15 | 55.6% |
| #32 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $5.0M | 8 | 26.7% |
| #33 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $5.0M | 8 | 44.4% |
| #34 | Victor Cale | 587325 | Fairway Independent Mortgage Corporation | 2289 | West Long Branch, NJ | $5.0M | 10 | 43.5% |
| #35 | Anthony Villanova | 107112 | VILLA NOVA FINANCING GROUP, LLC | 106716 | Warren, NJ | $4.9M | 10 | 55.6% |
| #36 | Nicholas Gaviria | 1308387 | Movement Mortgage, LLC | 39179 | Bridgewater, NJ | $4.9M | 7 | 53.8% |
| #37 | Michael Stepek | 28268 | Guaranteed Rate Affinity, LLC | 1598647 | Westfield, NJ | $4.9M | 5 | 25.0% |
| #38 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $4.8M | 9 | 90.0% |
| #39 | James Eville | 142428 | Unity Bank | 617337 | Clinton, NJ | $4.6M | 6 | 40.0% |
| #40 | Stephen Domenick | 2134885 | Legacy Mortgage Group Inc | 2533102 | Clifton, NJ | $4.6M | 7 | 70.0% |
| #41 | TRUPTI GANDHI | 223957 | Heritage Financial Corporation | 137218 | Jersey City, NJ | $4.5M | 9 | 32.1% |
| #42 | John Fornino | 145243 | Trinity Lending Company LLC | 2762052 | Wayne, NJ | $4.4M | 8 | 40.0% |
| #43 | Michael Varjian | 688983 | American Mortgage Partners Inc. | 1735381 | Little Falls, NJ | $4.4M | 8 | 47.1% |
| #44 | Michael LiPari | 187388 | Jet Direct Funding Corp. | 3542 | Saddle Brook, NJ | $4.3M | 10 | 35.7% |
| #45 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $4.3M | 11 | 78.6% |
| #46 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $4.3M | 8 | 42.1% |
| #47 | Lawrence Montani | 7170 | CrossCountry Mortgage, LLC | 3029 | Hazlet, NJ | $4.2M | 9 | 52.9% |
| #48 | William Koedatich | 1361452 | Absolute Home Mortgage Corporation | 176743 | Fairfield, NJ | $4.2M | 9 | 69.2% |
| #49 | Youssef Abdelhalim | 1033013 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Sparta, NJ | $4.1M | 11 | 39.3% |
| #50 | Keith Gordon | 365969 | Aspire Home Mortgage Inc | 1497810 | Marlton, NJ | $4.1M | 11 | 68.8% |
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 Volume — New Jersey (2024). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-volume/2024
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