{
  "canonical_url": "https://lendb.ai/in/new-jersey/morris-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 43 funded VA home loans in Morris County, NJ in 2025, 160 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (22), Veterans United Home Loans (18) and Freedom Mortgage (16). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Morris County are linked below.",
  "county": {
    "fips": "34027",
    "name": "Morris County",
    "state": "NJ"
  },
  "loan_type": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 43,
    "lenders_10": 5,
    "loans": 160,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 22,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 18,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 16,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 16,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 194,
        "people": [
          {
            "nmls_id": 27740,
            "full_name": "Elaine Perri",
            "canonical_url": "https://lendb.ai/lo/elaine-perri-27740",
            "branch_city": "Denville",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 55237,
            "full_name": "Chrissy Pullis",
            "canonical_url": "https://lendb.ai/lo/christine-pullis-55237",
            "branch_city": "Denville",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 61474,
            "full_name": "Susan Lake",
            "canonical_url": "https://lendb.ai/lo/susan-lake-61474",
            "branch_city": "Denville",
            "branch_state": "NJ"
          }
        ]
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 9,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1281698,
      "name": "Luminate Bank",
      "slug": "luminate-bank-1281698",
      "canonical_url": "https://lendb.ai/lender/luminate-bank-1281698",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2184,
      "name": "Embrace Home Loans",
      "slug": "embrace-home-loans-2184",
      "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 15,
        "people": [
          {
            "nmls_id": 222519,
            "full_name": "Susan Colella",
            "canonical_url": "https://lendb.ai/lo/susan-colella-222519",
            "branch_city": "Basking Ridge",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 267438,
            "full_name": "Michael Puorro",
            "canonical_url": "https://lendb.ai/lo/michael-puorro-267438",
            "branch_city": "Basking Ridge",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 341978,
            "full_name": "Denis Nevin",
            "canonical_url": "https://lendb.ai/lo/denis-nevin-341978",
            "branch_city": "Basking Ridge",
            "branch_state": "NJ"
          }
        ]
      }
    },
    {
      "nmls_id": 2731,
      "name": "Mortgage Access Corp.",
      "slug": "mortgage-access-corp-2731",
      "canonical_url": "https://lendb.ai/lender/mortgage-access-corp-2731",
      "loans": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}