{
  "canonical_url": "https://lendb.ai/lang/tr/new-jersey",
  "summary": "As of 2026-10-21, LenDb lists 1 loan officer licensed in or based in New Jersey whose lender pages say they speak Turkish. The top-ranked is Richard Cilo (CrossCountry Mortgage, Denville). 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": "tr",
  "state": "NJ",
  "total": 1,
  "last_verified": "2026-10-21",
  "results": [
    {
      "rank": 1,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2572183,
        "slug": "richard-cilo-2572183",
        "full_name": "Richard Cilo",
        "canonical_url": "https://lendb.ai/lo/richard-cilo-2572183",
        "json_url": "https://lendb.ai/lo/richard-cilo-2572183.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/m/271af43d7acda903/Website-3193_Cilo_2572183.jpg",
        "licensed_states": [
          "NJ"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tr"
        ],
        "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": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Turkish (lender page, verified 2026-10-21)",
        "Office in Denville, NJ",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 15 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-cilo-2572183",
      "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://crosscountrymortgage.com/denville-nj-3480/richard-cilo/"
      }
    }
  ]
}