Retention champions in New Jersey in 2025, ranked by total volume. 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), Grace Hao (TD Bank NA, NMLS #102905), and Angelica Lyons (Fulton Bank, National Association, NMLS #947115).
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 | $72.3M | 101 | 49.8% |
| #2 | Grace Hao | 102905 | TD Bank NA | 399800 | Winter Garden, FL | $38.2M | 43 | 72.9% |
| #3 | Angelica Lyons | 947115 | Fulton Bank, National Association | 485401 | Mount Laurel, NJ | $35.9M | 21 | 65.6% |
| #4 | XU HAN | 1716710 | TD Bank NA | 399800 | Jersey City, NJ | $34.8M | 36 | 78.3% |
| #5 | Ryan Delia | 102276 | loanDepot.com, LLC | 174457 | Paramus, NJ | $23.0M | 36 | 70.6% |
| #6 | Christopher Keelin | 63764 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $22.3M | 46 | 33.8% |
| #7 | Viral Mistry | 223886 | Kwik Mortgage Corporation | 138075 | Parsippany, NJ | $20.7M | 35 | 58.3% |
| #8 | Rajiv Bedi | 285881 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $20.6M | 46 | 75.4% |
| #9 | Michael Carvajal | 214865 | Informed Mortgage LLC | 2523172 | Manahawkin, NJ | $19.4M | 43 | 58.9% |
| #10 | Michael Stepek | 28268 | Guaranteed Rate Affinity, LLC | 1598647 | Westfield, NJ | $18.7M | 25 | 61.0% |
| #11 | Justin Bonura | 73184 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $17.4M | 27 | 32.1% |
| #12 | Daniel Lemeshev | 1666662 | CrossCountry Mortgage, LLC | 3029 | Hoboken, NJ | $16.6M | 20 | 45.5% |
| #13 | Shreshth Bansal | 1727041 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $16.2M | 29 | 72.5% |
| #14 | Manish Shah | 1994538 | ENSURE HOME LOANS LLC | 1666674 | Grand Prairie, TX | $15.6M | 28 | 73.7% |
| #15 | Vick Bedi | 256379 | American Preferred Mortgage Corp. | 2230580 | Parsippany, NJ | $15.2M | 32 | 62.7% |
| #16 | Karie Buchanan | 1934503 | K. Hovnanian American Mortgage, L.L.C. | 3259 | Boynton Beach, FL | $14.9M | 28 | 32.9% |
| #17 | Shimon Globman | 29708 | Guaranteed Rate, Inc. | 2611 | Passaic, NJ | $14.2M | 24 | 70.6% |
| #18 | Brian Woltman | 587190 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $13.9M | 21 | 32.3% |
| #19 | Ronald Gosewisch | 210533 | NFM Lending, LLC | 2893 | Medford Lakes, NJ | $13.7M | 29 | 37.7% |
| #20 | Jonathan Lamkin | 143207 | Guaranteed Rate, Inc. | 2611 | Millburn, NJ | $13.5M | 16 | 25.8% |
| #21 | BHAVESH PAREKH | 251379 | Lighthouse Lending Group LLC | 2769679 | Livingston, NJ | $13.3M | 25 | 30.1% |
| #22 | Leonard Coopersmith | 40869 | FM Home Loans, LLC | 2212 | Lakewood, NJ | $13.0M | 21 | 72.4% |
| #23 | PANKAJ MANCHANDA | 1223173 | Manufacturers and Traders Trust Company | 381076 | Paramus, NJ | $12.6M | 13 | 86.7% |
| #24 | Vincent Giordano | 202683 | Garden State Mortgage Corp. | 1707560 | Saddle Brook, NJ | $12.5M | 23 | 62.2% |
| #25 | Michael Chuyan | 1591801 | Movement Mortgage, LLC | 39179 | Totowa, NJ | $12.4M | 23 | 85.2% |
| #26 | Dillon White | 1683181 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $11.4M | 17 | 27.4% |
| #27 | Brian LaRue | 179393 | Red Oak Mortgage Inc | 5415 | Freehold, NJ | $11.0M | 19 | 65.5% |
| #28 | Christopher Miller | 1787407 | Embrace Home Loans, Inc. | 2184 | Basking Ridge, NJ | $10.6M | 12 | 63.2% |
| #29 | Matthew Keane | 12966 | Guaranteed Rate, Inc. | 2611 | Madison, NJ | $10.0M | 14 | 51.9% |
| #30 | Steven Grossman | 36571 | Luminate Bank | 1281698 | Little Falls, NJ | $10.0M | 12 | 35.3% |
| #31 | Kinjal Patel | 2395996 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $9.9M | 19 | 82.6% |
| #32 | Jason Geary | 589283 | Guaranteed Rate Affinity, LLC | 1598647 | Mendham, NJ | $9.9M | 18 | 51.4% |
| #33 | Kevin Zhu | 215558 | MLD Mortgage Inc. | 1019 | Orlando, FL | $9.8M | 21 | 50.0% |
| #34 | Todd Harrington | 869718 | Brightwire Loans LLC | 1074453 | River Edge, NJ | $9.8M | 21 | 65.6% |
| #35 | Erez Shimoni | 460222 | Petra Cephas Inc | 1222300 | Piscataway, NJ | $9.7M | 21 | 61.8% |
| #36 | Xinhua Zhou | 218383 | Reliance Capital Inc | 218653 | Edison, NJ | $9.7M | 16 | 57.1% |
| #37 | Stephen Domenick | 2134885 | Legacy Mortgage Group Inc | 2533102 | Clifton, NJ | $9.4M | 17 | 77.3% |
| #38 | Yojana Sangu | 950536 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $9.4M | 17 | 47.2% |
| #39 | Krunal Shah | 342191 | Alliance Mortgage Finance, LLC | 187908 | South Plainfield, NJ | $9.4M | 22 | 62.9% |
| #40 | Nchemya Leiman | 73753 | Leiman Mortgage Network LLC | 17280 | Lakewood, NJ | $9.3M | 17 | 63.0% |
| #41 | oleg zaltsman | 145240 | Dynasty Mortgage Network LLC | 141917 | Brielle, NJ | $9.2M | 18 | 66.7% |
| #42 | Michael Conti | 280437 | Assured Mortgage Bankers Corp | 271739 | Manasquan, NJ | $8.8M | 25 | 67.6% |
| #43 | Glenn Kiczales | 200585 | TD Bank NA | 399800 | Newtown, PA | $8.7M | 7 | 63.6% |
| #44 | Angelica Tanti | 1163201 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $8.6M | 11 | 44.0% |
| #45 | Matthew Stenta | 9506 | TD Bank NA | 399800 | Miami, FL | $8.6M | 7 | 53.8% |
| #46 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $8.4M | 16 | 57.1% |
| #47 | RALPH TANCREDI | 64677 | Manasquan Bank | 479346 | Manasquan, NJ | $8.3M | 4 | 26.7% |
| #48 | Jerry DeMaio | 980518 | CrossCountry Mortgage, LLC | 3029 | Shrewsbury, NJ | $8.3M | 15 | 27.3% |
| #49 | Larry Vindman | 103147 | CrossCountry Mortgage, LLC | 3029 | Union, NJ | $8.3M | 15 | 36.6% |
| #50 | Peter Strauss | 271100 | Second Generation Mortgage Group, LLC | 231019 | Tinton Falls, NJ | $8.0M | 20 | 83.3% |
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 (2025). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-retention-by-volume/2025
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