{
  "canonical_url": "https://lendb.ai/lang/it/new-jersey",
  "summary": "As of 2026-10-19, LenDb lists 1 loan officer licensed in or based in New Jersey whose lender pages say they speak Italian. The top-ranked is Margherita Popolizio (JPMorgan Chase Bank (Chase Home Lending), West Caldwell). 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": "it",
  "state": "NJ",
  "total": 1,
  "last_verified": "2026-10-19",
  "results": [
    {
      "rank": 1,
      "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 Italian (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
      }
    }
  ]
}