{ "canonical_url": "https://lendb.ai/lang/es/new-jersey", "summary": "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.", "language": "es", "state": "NJ", "total": 62, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43, "loan_officer": { "nmls_id": 138363, "slug": "nelson-jaramillo-138363", "full_name": "Nelson Jaramillo", "canonical_url": "https://lendb.ai/lo/nelson-jaramillo-138363", "json_url": "https://lendb.ai/lo/nelson-jaramillo-138363.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "NJ" }, "headshot_url": "https://lh3.googleusercontent.com/XraigMpyQw6--XwrGBajQf1DAKsEqzY2jDw27obMsQjCef_mhr6dPhp3C7RFXD-JDKUDXTzXAGl-uR3moXSCih3Rz3JokybQblc", "licensed_states": [ "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/nelson-jaramillo-138363", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in New Jersey", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nelson-jaramillo-138363", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/nelson-jaramillo-138363" } }, { "rank": 2, "score": 43, "loan_officer": { "nmls_id": 2114537, "slug": "carlos-hernandez-2114537", "full_name": "Carlos Hernandez", "canonical_url": "https://lendb.ai/lo/carlos-hernandez-2114537", "json_url": "https://lendb.ai/lo/carlos-hernandez-2114537.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "NJ" }, "headshot_url": "https://lh3.googleusercontent.com/ZdjBBB4gDhDxrlKD0UHc40Y5DltBzO96PvxebjCE5fP7Fto2NpTSFYWs8087ZP4Emkngv9lSlDLjcMTVG0s2pPvoJOKDknS0dsvo", "licensed_states": [ "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 26, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/carlos-hernandez-2114537", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in New Jersey", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/carlos-hernandez-2114537", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/carlos-hernandez-2114537" } }, { "rank": 3, "score": 42, "loan_officer": { "nmls_id": 363184, "slug": "alexander-cardoso-363184", "full_name": "Alexander Cardoso", "canonical_url": "https://lendb.ai/lo/alexander-cardoso-363184", "json_url": "https://lendb.ai/lo/alexander-cardoso-363184.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "Medford", "state": "NJ" }, "headshot_url": "https://lh3.googleusercontent.com/6ATmOMlx0_IRaMmXbvbrUxHq5QacLcbJchNc4jCyTQ2DG1NlpEJdMuYEiM5bg40FKqzAWaCPKBUlAGdw2UFnUmD20rovYqEtmuhO", "licensed_states": [ "FL", "CA", "GA", "MD", "NC", "NJ", "PA", "TX", "VA", "WA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2022-10-18", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 27, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/alexander-cardoso-363184", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Medford, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 18, 2022 (Florida), per state regulator", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexander-cardoso-363184", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/alexander-cardoso-363184" } }, { "rank": 4, "score": 41, "loan_officer": { "nmls_id": 870058, "slug": "isabel-mejias-870058", "full_name": "Isabel Mejias", "canonical_url": "https://lendb.ai/lo/isabel-mejias-870058", "json_url": "https://lendb.ai/lo/isabel-mejias-870058.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Millburn", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/v0ap3RjGF-tP4UoVjmL7sEQkRgDTf8k5Ks23LU_Ckyk/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 26, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/millburn/279-millburn-ave-hla-870058", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Millburn, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/isabel-mejias-870058", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 5, "score": 40.3, "loan_officer": { "nmls_id": 39350, "slug": "mauricio-rojas-39350", "full_name": "Mauricio Rojas", "canonical_url": "https://lendb.ai/lo/mauricio-rojas-39350", "json_url": "https://lendb.ai/lo/mauricio-rojas-39350.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Jersey City", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/qDgvptK39TGYfMe1gbQdBT4CX9KvQ1eSI4IJjKCV-FY/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 21, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/jersey-city/56-christopher-columbus-dr-hla-39350", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Jersey City, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mauricio-rojas-39350", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 6, "score": 40.3, "loan_officer": { "nmls_id": 404860, "slug": "margherita-popolizio-404860", "full_name": "Margherita Popolizio", "canonical_url": "https://lendb.ai/lo/margherita-popolizio-404860", "json_url": "https://lendb.ai/lo/margherita-popolizio-404860.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "West Caldwell", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/skF173fNMYeV1BaHZ5SbDgw54gi5ECMSqpS2XxFQQvU/1400x1861.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es", "it" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/west-caldwell/865-bloomfield-ave-hla-404860", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in West Caldwell, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/margherita-popolizio-404860", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 7, "score": 40.3, "loan_officer": { "nmls_id": 420568, "slug": "salvador-aguia-420568", "full_name": "Salvador Aguia", "canonical_url": "https://lendb.ai/lo/salvador-aguia-420568", "json_url": "https://lendb.ai/lo/salvador-aguia-420568.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Bergenfield", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/1EZSV8uiL1hrY6kPEzBfQxsrF8jTh89n9ZBhU5GleOo/834x1250.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/bergenfield/221-n-washington-ave-hla-420568", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Bergenfield, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/salvador-aguia-420568", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 8, "score": 40.3, "loan_officer": { "nmls_id": 624065, "slug": "rachel-velez-624065", "full_name": "Rachel Velez", "canonical_url": "https://lendb.ai/lo/rachel-velez-624065", "json_url": "https://lendb.ai/lo/rachel-velez-624065.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Ridgewood", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/rQUDfpNZmW-EE3ssHQM0itpy_1xQNpT0NCAdcB0gPfQ/599x898.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 24, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/ridgewood/84-e-ridgewood-ave-hla-624065", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Ridgewood, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/rachel-velez-624065", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 9, "score": 39.8, "loan_officer": { "nmls_id": 70042, "slug": "carlos-zuniga-70042", "full_name": "Carlos Zuniga", "canonical_url": "https://lendb.ai/lo/carlos-zuniga-70042", "json_url": "https://lendb.ai/lo/carlos-zuniga-70042.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Madison", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/QDkLkiv8ModiC6Q_RupSqI3vraXM0e5Xo2Ph8h6qeTA/834x1250.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 19, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/madison/2-waverly-pl-hla-70042", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Madison, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/carlos-zuniga-70042", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 10, "score": 37.5, "loan_officer": { "nmls_id": 1613344, "slug": "salvador-irizarry-1613344", "full_name": "Sal Irizarry", "licensed_names": [ { "name": "Salvador Irizarry", "name_with_middle_initial": null, "first_name": "Salvador", "middle_initial": null, "last_name": "Irizarry", "states": [ "FL", "MD", "NY" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/salvador-irizarry-1613344", "json_url": "https://lendb.ai/lo/salvador-irizarry-1613344.json", "lender": { "nmls_id": 1330, "name": "United Mortgage Corp.", "slug": "united-mortgage-corp-1330", "canonical_url": "https://lendb.ai/lender/united-mortgage-corp-1330", "type": "imb" }, "branch": { "city": "Toms River", "state": "NJ" }, "headshot_url": "https://unitedmortgage.com/wp-content/uploads/2023/10/Sal-Irizarry-scaled-e1705330398668.jpg", "licensed_states": [ "FL", "NY", "MD", "NJ", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-01-11", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://unitedmortgage.com/loan-officer/sal-irizarry/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Toms River, NJ", "NJ listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Earliest state license record: February 13, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/ingrid-ruiz-1260722", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/denville-nj-3480/ingrid-ruiz/" } }, { "rank": 17, "score": 33.5, "loan_officer": { "nmls_id": 2380809, "slug": "angelica-rios-2380809", "full_name": "Angelica Rios", "canonical_url": "https://lendb.ai/lo/angelica-rios-2380809", "json_url": "https://lendb.ai/lo/angelica-rios-2380809.json", "lender": { "nmls_id": 133739, "name": "Panorama Mortgage Group, LLC", "slug": "panorama-mortgage-group-llc-133739", "canonical_url": "https://lendb.ai/lender/panorama-mortgage-group-llc-133739", "type": "imb" }, "branch": { "city": "Parsippany", "state": "NJ" }, "headshot_url": "https://cdn.prod.website-files.com/643efd2c8341bea331c4cfc8/69b45e1633b35694adfada40_Angelica-Rios_HS_2026-cut.jpg", "licensed_states": [ "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.simplypmg.net/loan-originators/angelica-rios", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Parsippany, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/angelica-rios-2380809", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.simplypmg.net/loan-originators/angelica-rios" } }, { "rank": 18, "score": 33.3, "loan_officer": { "nmls_id": 906203, "slug": "lindsay-carmody-906203", "full_name": "Lindsay Carmody", "canonical_url": "https://lendb.ai/lo/lindsay-carmody-906203", "json_url": "https://lendb.ai/lo/lindsay-carmody-906203.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Woodbury", "state": "NJ" }, "headshot_url": "https://thevault.ccm.com/asset/df87cbea-2518-405c-829f-d1ec34f83f1f/Website/2506_Carmody_906203.jpg", "licensed_states": [ "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/woodbury-nj-2506/lindsay-carmody/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Woodbury, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/lindsay-carmody-906203", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/woodbury-nj-2506/lindsay-carmody/" } }, { "rank": 19, "score": 33.3, "loan_officer": { "nmls_id": 1521781, "slug": "ozzie-ziba-1521781", "full_name": "Ozzie Ziba", "canonical_url": "https://lendb.ai/lo/ozzie-ziba-1521781", "json_url": "https://lendb.ai/lo/ozzie-ziba-1521781.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Parsippany", "state": "NJ" }, "headshot_url": "https://thevault.ccm.com/m/6350f6c610dcf37b/Website-3863_Ziba_1521781.jpg", "licensed_states": [ "NJ", "PA" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es", "sq" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/parsippany-nj-3863/nijaz-ziba/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "Office in Parsippany, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/ozzie-ziba-1521781", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/nijaz-ziba/" } }, { "rank": 20, "score": 33.3, "loan_officer": { "nmls_id": 1879790, "slug": "michelle-sanchez-1879790", "full_name": "Michelle Sanchez", "canonical_url": "https://lendb.ai/lo/michelle-sanchez-1879790", "json_url": "https://lendb.ai/lo/michelle-sanchez-1879790.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Denville", "state": "NJ" }, "headshot_url": "https://thevault.ccm.com/asset/a33f1e9c-2efd-46f9-8646-81c96be828b1/Website/5050_Sanchez_1879790.jpg", "licensed_states": [ "NY", "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "fha", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-5050/michelle-sanchez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Denville, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/michelle-sanchez-1879790", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/denville-nj-5050/michelle-sanchez/" } }, { "rank": 21, "score": 33.3, "loan_officer": { "nmls_id": 2065732, "slug": "yoe-lopez-2065732", "full_name": "Yoe Lopez", "canonical_url": "https://lendb.ai/lo/yoe-lopez-2065732", "json_url": "https://lendb.ai/lo/yoe-lopez-2065732.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "North Bergen", "state": "NJ" }, "headshot_url": "https://thevault.ccm.com/asset/5a5e62d7-7edd-4e79-9d93-6a5734153cfc/Website/3406_Lopez_2065732.jpg", "licensed_states": [ "FL", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-07-15", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/north-bergen-nj-3406/yoe-lopez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in North Bergen, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 15, 2026 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/yoe-lopez-2065732", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/north-bergen-nj-3406/yoe-lopez/" } }, { "rank": 22, "score": 32.8, "loan_officer": { "nmls_id": 2380804, "slug": "joshua-rios-2380804", "full_name": "Joshua Rios", "canonical_url": "https://lendb.ai/lo/joshua-rios-2380804", "json_url": "https://lendb.ai/lo/joshua-rios-2380804.json", "lender": { "nmls_id": 133739, "name": "Panorama Mortgage Group, LLC", "slug": "panorama-mortgage-group-llc-133739", "canonical_url": "https://lendb.ai/lender/panorama-mortgage-group-llc-133739", "type": "imb" }, "branch": { "city": "Parsippany", "state": "NJ" }, "headshot_url": "https://cdn.prod.website-files.com/643efd2c8341bea331c4cfc8/66c375188a2076d939c62cf2_joshua-rios-2-sq.png", "licensed_states": [ "FL", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-06-24", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.simplypmg.net/loan-originators/joshua-rios", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Parsippany, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 24, 2026 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/joshua-rios-2380804", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.simplypmg.net/loan-originators/joshua-rios" } }, { "rank": 23, "score": 32.5, "loan_officer": { "nmls_id": 257075, "slug": "jaime-laureano-257075", "full_name": "Jaime Laureano", "licensed_names": [ { "name": "Jaime Laureano", "name_with_middle_initial": "Jaime I. Laureano", "first_name": "Jaime", "middle_initial": "I", "last_name": "Laureano", "states": [ "CT", "FL", "NY" ], "source": "state_regulator", "as_of": "2026-10-13" } ], "canonical_url": "https://lendb.ai/lo/jaime-laureano-257075", "json_url": "https://lendb.ai/lo/jaime-laureano-257075.json", "lender": { "nmls_id": 2764, "name": "Total Mortgage Services", "slug": "total-mortgage-services-2764", "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764", "type": "imb" }, "branch": { "city": "Milford", "state": "CT" }, "headshot_url": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FJaime_Laureano_257075%2FJaime_Laureano_257075_1764093886355_small.jpg&w=640&q=75", "licensed_states": [ "FL", "CT", "NY", "CA", "MA", "NJ", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "co-op", "construction", "heloc", "jumbo", "low-credit", "non-qm", "renovation", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-02-02", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.totalmortgage.com/bankers/jaime-laureano", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 2, 2018 (Florida), per state regulator", "States 30 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/jaime-laureano-257075", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.totalmortgage.com/bankers/jaime-laureano" } }, { "rank": 24, "score": 32, "loan_officer": { "nmls_id": 2605498, "slug": "jack-m-conde-2605498", "full_name": "Jack M Conde", "canonical_url": "https://lendb.ai/lo/jack-m-conde-2605498", "json_url": "https://lendb.ai/lo/jack-m-conde-2605498.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/G-g6TE877OPAulBNOTdVabb9xK69edNkBKHXN2zGXgGxH0fP6hUbZ3Aryl0u8N10gPtxYwS7rXRy37qsl7YZaJ3hI6pEHf5b7r_M", "licensed_states": [ "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jack-m-conde-2605498", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jack-m-conde-2605498", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/jack-m-conde-2605498" } }, { "rank": 25, "score": 31, "loan_officer": { "nmls_id": 403958, "slug": "lilliam-rodriguez-403958", "full_name": "Lilliam Rodriguez", "canonical_url": "https://lendb.ai/lo/lilliam-rodriguez-403958", "json_url": "https://lendb.ai/lo/lilliam-rodriguez-403958.json", "lender": { "nmls_id": 399801, "name": "Wells Fargo Home Mortgage", "slug": "wells-fargo-399801", "canonical_url": "https://lendb.ai/lender/wells-fargo-399801", "type": "bank" }, "branch": { "city": "Kearny", "state": "NJ" }, "headshot_url": "https://dynl.mktgcdn.com/p/Um3uM0QY3twzzwJPrMr0WtiSRWc7-GrnBW-kWiOrJ3o/600x450.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "jumbo" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/nj/kearny/lilliam-rodriguez", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Kearny, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/lilliam-rodriguez-403958", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } } ] }