---
canonical_url: https://lendb.ai/lo/michael-colella-1466855
json_url: https://lendb.ai/lo/michael-colella-1466855.json
nmls_id: 1466855
last_verified: 2026-10-09
---

# Michael Colella

Sales Manager at Embrace Home Loans, Basking Ridge, NJ. NMLS ID 1466855 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1466855)).

**Summary:** Michael Colella (NMLS 1466855) is Sales Manager at Embrace Home Loans, based in Basking Ridge, NJ. Licensed in Florida, confirmed with the state regulator (license LO144864). Also lists Maryland, New Jersey, New York, Pennsylvania and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, HELOC, Jumbo loan and VA loan. Licensed since 2026 (per Florida records). States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Maryland (MD, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella
- **HELOC** (`heloc`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella

## About

Michael Colella is a Sales Manager with over 10 years of mortgage industry experience, serving homebuyers throughout New Jersey, Pennsylvania, New York, Delaware, Florida, Maryland, and Virginia. He specializes in conventional, FHA, VA, and jumbo mortgages, refinances, and home equity loans.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella, verified 2026-10-09.
- service_area: New Jersey, Pennsylvania, New York, Delaware, Florida, Maryland, Virginia. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella, verified 2026-10-09.
- education: Bachelor of Science from West Virginia University. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella, verified 2026-10-09.
- community: Supports Homeward Bound Pet Adoption Center. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO144864 | active | confirmed | 2026-02-09 | state_regulator | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Basking Ridge, NJ. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1466855

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-colella-1466855#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1466855
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella

Cite as: Michael Colella (NMLS 1466855), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-colella-1466855, last verified 2026-10-09.

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