Languages · New Jersey
Spanish-speaking loan officers in New Jersey
As of 2026-10-26, LenDb lists 62 loan officers licensed in or based in New Jersey whose lender pages say they speak Spanish. The top-ranked are Nelson Jaramillo (Loan Factory), Carlos Hernandez (Loan Factory) and Alexander Cardoso (Loan Factory, Medford). Ranking is lender-neutral: a license in NJ, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.
Last verified . Sources: loan officers' own lender pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Nelson JaramilloNMLS 138363
Loan Factory · Mortgage broker · New Jersey
- Construction loan
- FHA loan
- First-time buyer
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in New Jersey
- States 20 years of experience (lender page, 2026-10-09)
- 2
Carlos HernandezNMLS 2114537
Loan Factory · Mortgage broker · New Jersey
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in New Jersey
- States 26 years of experience (lender page, 2026-10-09)
- 3
Alexander CardosoNMLS 363184
Loan Factory · Mortgage broker · Medford, NJ · licensed in 10 states
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in Medford, NJ
- Earliest state license record: October 18, 2022 (Florida), per state regulator
- States 27 years of experience (lender page, 2026-10-09)
- 4
Isabel MejiasNMLS 870058
JPMorgan Chase Bank (Chase Home Lending) · Bank · Millburn, NJ
- Down payment assistance
- Co-op
- Condo
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Millburn, NJ
- States 26 years of experience (lender page, 2026-10-09)
- 5
Mauricio RojasNMLS 39350
JPMorgan Chase Bank (Chase Home Lending) · Bank · Jersey City, NJ
- Down payment assistance
- Co-op
- Condo
- Vacation home
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Jersey City, NJ
- States 21 years of experience (lender page, 2026-10-09)
- 6
Margherita PopolizioNMLS 404860
JPMorgan Chase Bank (Chase Home Lending) · Bank · West Caldwell, NJ
- FHA loan
- VA loan
- Jumbo loan
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in West Caldwell, NJ
- States 30 years of experience (lender page, 2026-10-09)
- 7
Salvador AguiaNMLS 420568
JPMorgan Chase Bank (Chase Home Lending) · Bank · Bergenfield, NJ
- Down payment assistance
- Vacation home
- FHA loan
- Self-employed
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Bergenfield, NJ
- States 30 years of experience (lender page, 2026-10-09)
- 8
Rachel VelezNMLS 624065
JPMorgan Chase Bank (Chase Home Lending) · Bank · Ridgewood, NJ
- Down payment assistance
- Co-op
- Condo
- Vacation home
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Ridgewood, NJ
- States 24 years of experience (lender page, 2026-10-09)
- 9
Carlos ZunigaNMLS 70042
JPMorgan Chase Bank (Chase Home Lending) · Bank · Madison, NJ
- Down payment assistance
- Vacation home
- FHA loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Madison, NJ
- States 19 years of experience (lender page, 2026-10-09)
- 10
Sal IrizarryNMLS 1613344
United Mortgage Corp. · Toms River, NJ · licensed in 5 states
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Toms River, NJ
- Earliest state license record: January 11, 2018 (Florida), per state regulator
- 11
Vince GutierrezNMLS 2088096
NFM Lending · Medford Lakes, NJ · licensed in 4 states
- First-time buyer
- Real estate investor
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-20)
- Office in Medford Lakes, NJ
- Earliest state license record: September 13, 2021 (Florida), per state regulator
- States 7 years of experience (lender page, 2026-10-20)
- 12
Steven GonzalezNMLS 854212
Bank of America · Bank · Mercerville, NJ
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Mercerville, NJ
- States 13 years of experience (lender page, 2026-10-19)
- 13
Grace Del ToroNMLS 1566249
Bank of America · Bank · North Plainfield, NJ
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in North Plainfield, NJ
- States 11 years of experience (lender page, 2026-10-19)
- 14
Joel ColmanNMLS 208726
CrossCountry Mortgage · Union, NJ · licensed in 3 states
- FHA loan
- First-time buyer
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in Union, NJ
- Earliest state license record: March 3, 2022 (Florida), per state regulator
- 15
Daphne FelicianoNMLS 1227421
Cliffco, Inc. · Newark, NJ · licensed in 4 states
- Self-employed
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Office in Newark, NJ
- Earliest state license record: January 11, 2023 (Florida), per state regulator
- 16
Ingrid RuizNMLS 1260722
CrossCountry Mortgage · Denville, NJ · licensed in 7 states
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-22)
- Office in Denville, NJ
- Earliest state license record: February 13, 2024 (Florida), per state regulator
- 17
Angelica RiosNMLS 2380809
Panorama Mortgage Group, LLC · Parsippany, NJ
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Office in Parsippany, NJ
- 18
Lindsay CarmodyNMLS 906203
CrossCountry Mortgage · Woodbury, NJ
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in Woodbury, NJ
- 19
Ozzie ZibaNMLS 1521781
CrossCountry Mortgage · Parsippany, NJ · licensed in 2 states
- First-time buyer
- FHA loan
- Refinance
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-22)
- Office in Parsippany, NJ
- 20
Michelle SanchezNMLS 1879790
CrossCountry Mortgage · Denville, NJ · licensed in 2 states
- Down payment assistance
- First-time buyer
- Refinance
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Denville, NJ
- 21
Yoe LopezNMLS 2065732
CrossCountry Mortgage · North Bergen, NJ · licensed in 2 states
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in North Bergen, NJ
- Earliest state license record: July 15, 2026 (Florida), per state regulator
- 22
Joshua RiosNMLS 2380804
Panorama Mortgage Group, LLC · Parsippany, NJ · licensed in 2 states
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Office in Parsippany, NJ
- Earliest state license record: June 24, 2026 (Florida), per state regulator
- 23
Jaime LaureanoNMLS 257075
Total Mortgage Services · Milford, CT · licensed in 7 states
- FHA loan
- VA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Earliest state license record: February 2, 2018 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-21)
- 24
Jack M CondeNMLS 2605498
Loan Factory · Mortgage broker
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Lilliam RodriguezNMLS 403958
Wells Fargo Home Mortgage · Bank · Kearny, NJ
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Kearny, NJ
How this list is ranked
A loan officer is listed when their own lender page lists Spanish. Loan officers are included when a NJ license is confirmed with the state regulator (check mark), NJ is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience and profile completeness. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?lang=es&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.