{
  "canonical_url": "https://lendb.ai/lo/thomas-cifichiello-1430482",
  "loan_officer": {
    "nmls_id": 1430482,
    "slug": "thomas-cifichiello-1430482",
    "canonical_url": "https://lendb.ai/lo/thomas-cifichiello-1430482",
    "md_url": "https://lendb.ai/lo/thomas-cifichiello-1430482.md",
    "json_url": "https://lendb.ai/lo/thomas-cifichiello-1430482.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1430482",
    "full_name": {
      "value": "Tom Cifichiello",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "first_name": "Tom",
    "last_name": "Cifichiello",
    "headshot_url": {
      "value": "https://www.embracehomeloans.com/media/wskfu14s/tcifichiello_bio72.jpg",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Tom is a loan officer who previously worked as an Account Executive and Junior Loan Officer at an online lender. He holds an Associate's Degree in Business Administration from Bergen Community College and is a published fantasy author.",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2184,
      "lender_name": "Embrace Home Loans",
      "lender_slug": "embrace-home-loans-2184",
      "branch_city": "Basking Ridge",
      "branch_state": "NJ",
      "branch_zip": "07920",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2184,
        "lender_name": "Embrace Home Loans",
        "lender_slug": "embrace-home-loans-2184",
        "branch_city": "Basking Ridge",
        "branch_state": "NJ",
        "branch_zip": "07920",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO60377",
        "status": "active",
        "issued_at": "2019-04-04",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "72604",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/thomas-cifichiello-9988b2126",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Associate's Degree in Business Administration from Bergen Community College",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Previously worked as Account Executive, Junior Loan Officer and Manager of social media leads for an online lender",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Published author in the fantasy genre; received Pinnacle Book Achievement Award for 2015 novel 'Of Darkest Valor'",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:34:46.380171+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/thomas-cifichiello-1430482#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2019-04-04",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2019,
      "state": "FL"
    },
    "federal_registration": null
  }
}