{
  "canonical_url": "https://lendb.ai/in/new-jersey/passaic-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 42 funded VA home loans in Passaic County, NJ in 2025, 133 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (27), Veterans United Home Loans (18) and CrossCountry Mortgage (12). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Passaic County are linked below.",
  "county": {
    "fips": "34031",
    "name": "Passaic 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": 42,
    "lenders_10": 3,
    "loans": 133,
    "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": 27,
      "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": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 208,
        "people": [
          {
            "nmls_id": 6845,
            "full_name": "Anthony Nicholas",
            "canonical_url": "https://lendb.ai/lo/anthony-nicholas-6845",
            "branch_city": "Montvale",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 7155,
            "full_name": "Andrew Savoca",
            "canonical_url": "https://lendb.ai/lo/andrew-savoca-7155",
            "branch_city": "Montvale",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 61691,
            "full_name": "Tom Gates",
            "canonical_url": "https://lendb.ai/lo/tom-gates-61691",
            "branch_city": "Montvale",
            "branch_state": "NJ"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 7,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 6,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 6,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 5,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 36,
        "people": [
          {
            "nmls_id": 28172,
            "full_name": "Michael Adler",
            "canonical_url": "https://lendb.ai/lo/meyer-adler-28172",
            "branch_city": "Paramus",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 69485,
            "full_name": "Len Ricci",
            "canonical_url": "https://lendb.ai/lo/leonard-ricci-69485",
            "branch_city": "Paramus",
            "branch_state": "NJ"
          },
          {
            "nmls_id": 89891,
            "full_name": "Michele Prato",
            "canonical_url": "https://lendb.ai/lo/michele-prato-89891",
            "branch_city": "Paramus",
            "branch_state": "NJ"
          }
        ]
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 4,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 4,
      "includes_brokered": true,
      "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."
}