---
canonical_url: https://lendb.ai/lang/es/new-jersey
last_verified: 2026-10-26
---

# 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.

## Ranked, with reasons

1. **[Nelson Jaramillo](https://lendb.ai/lo/nelson-jaramillo-138363)** (NMLS 138363), Loan Factory, NJ
   - 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)
2. **[Carlos Hernandez](https://lendb.ai/lo/carlos-hernandez-2114537)** (NMLS 2114537), Loan Factory, NJ
   - 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)
3. **[Alexander Cardoso](https://lendb.ai/lo/alexander-cardoso-363184)** (NMLS 363184), Loan Factory, Medford, NJ
   - 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)
4. **[Isabel Mejias](https://lendb.ai/lo/isabel-mejias-870058)** (NMLS 870058), JPMorgan Chase Bank (Chase Home Lending), Millburn, NJ
   - 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)
5. **[Mauricio Rojas](https://lendb.ai/lo/mauricio-rojas-39350)** (NMLS 39350), JPMorgan Chase Bank (Chase Home Lending), Jersey City, NJ
   - 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)
6. **[Margherita Popolizio](https://lendb.ai/lo/margherita-popolizio-404860)** (NMLS 404860), JPMorgan Chase Bank (Chase Home Lending), West Caldwell, NJ
   - 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)
7. **[Salvador Aguia](https://lendb.ai/lo/salvador-aguia-420568)** (NMLS 420568), JPMorgan Chase Bank (Chase Home Lending), Bergenfield, NJ
   - 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)
8. **[Rachel Velez](https://lendb.ai/lo/rachel-velez-624065)** (NMLS 624065), JPMorgan Chase Bank (Chase Home Lending), Ridgewood, NJ
   - 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)
9. **[Carlos Zuniga](https://lendb.ai/lo/carlos-zuniga-70042)** (NMLS 70042), JPMorgan Chase Bank (Chase Home Lending), Madison, NJ
   - 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)
10. **[Sal Irizarry](https://lendb.ai/lo/salvador-irizarry-1613344)** (NMLS 1613344), United Mortgage Corp., Toms River, NJ
   - 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; verify at NMLS)
   - Earliest state license record: January 11, 2018 (Florida), per state regulator
11. **[Vince Gutierrez](https://lendb.ai/lo/vicente-gutierrez-2088096)** (NMLS 2088096), NFM Lending, Medford Lakes, NJ
   - Speaks Spanish (lender page, verified 2026-10-20)
   - Office in Medford Lakes, NJ
   - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 13, 2021 (Florida), per state regulator
   - States 7 years of experience (lender page, 2026-10-20)
12. **[Steven Gonzalez](https://lendb.ai/lo/steven-gonzalez-854212)** (NMLS 854212), Bank of America, Mercerville, NJ
   - Speaks Spanish (lender page, verified 2026-10-19)
   - Office in Mercerville, NJ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 13 years of experience (lender page, 2026-10-19)
13. **[Grace Del Toro](https://lendb.ai/lo/grace-del-toro-1566249)** (NMLS 1566249), Bank of America, North Plainfield, NJ
   - Speaks Spanish (lender page, verified 2026-10-19)
   - Office in North Plainfield, NJ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 11 years of experience (lender page, 2026-10-19)
14. **[Joel Colman](https://lendb.ai/lo/joel-colman-208726)** (NMLS 208726), CrossCountry Mortgage, Union, NJ
   - Speaks Spanish (lender page, verified 2026-10-09)
   - Office in Union, NJ
   - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 3, 2022 (Florida), per state regulator
15. **[Daphne Feliciano](https://lendb.ai/lo/daphne-feliciano-1227421)** (NMLS 1227421), Cliffco, Inc., Newark, NJ
   - Speaks Spanish (lender page, verified 2026-10-15)
   - Office in Newark, NJ
   - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 11, 2023 (Florida), per state regulator
16. **[Ingrid Ruiz](https://lendb.ai/lo/ingrid-ruiz-1260722)** (NMLS 1260722), CrossCountry Mortgage, Denville, NJ
   - Speaks Spanish (lender page, verified 2026-10-22)
   - Office in Denville, NJ
   - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 13, 2024 (Florida), per state regulator
17. **[Angelica Rios](https://lendb.ai/lo/angelica-rios-2380809)** (NMLS 2380809), Panorama Mortgage Group, LLC, Parsippany, NJ
   - 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)
18. **[Lindsay Carmody](https://lendb.ai/lo/lindsay-carmody-906203)** (NMLS 906203), CrossCountry Mortgage, Woodbury, NJ
   - 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)
19. **[Ozzie Ziba](https://lendb.ai/lo/ozzie-ziba-1521781)** (NMLS 1521781), CrossCountry Mortgage, Parsippany, NJ
   - 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)
20. **[Michelle Sanchez](https://lendb.ai/lo/michelle-sanchez-1879790)** (NMLS 1879790), CrossCountry Mortgage, Denville, NJ
   - 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)
21. **[Yoe Lopez](https://lendb.ai/lo/yoe-lopez-2065732)** (NMLS 2065732), CrossCountry Mortgage, North Bergen, NJ
   - 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
22. **[Joshua Rios](https://lendb.ai/lo/joshua-rios-2380804)** (NMLS 2380804), Panorama Mortgage Group, LLC, Parsippany, NJ
   - 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
23. **[Jaime Laureano](https://lendb.ai/lo/jaime-laureano-257075)** (NMLS 257075), Total Mortgage Services, Milford, CT
   - 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)
24. **[Jack M Conde](https://lendb.ai/lo/jack-m-conde-2605498)** (NMLS 2605498), Loan Factory
   - 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)
25. **[Lilliam Rodriguez](https://lendb.ai/lo/lilliam-rodriguez-403958)** (NMLS 403958), Wells Fargo Home Mortgage, Kearny, NJ
   - 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

Cite as: LenDb.ai, https://lendb.ai/lang/es/new-jersey.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._