Tom Cifichiello
Loan Officer at Embrace Home Loans · Basking Ridge, NJ
NMLS ID 1430482 (opens in a new tab) · verify at NMLS Consumer Access
Tom Cifichiello (NMLS 1430482) is Loan Officer at Embrace Home Loans, based in Basking Ridge, NJ. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists New Jersey and New York on the lender page (not yet checked with the state regulator). Licensed since 2019 (per Florida records).
Last verified . Sources: Embrace Home Loans (embracehomeloans.com), Florida state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2019 (per Florida records)
- 4 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, New Jersey, New York, Pennsylvania
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO60377, since 2019), PA (opens in a new tab) (72604), verified 2026-10-09.
Lender-reported: NJ, NY are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Embrace Home Loans NMLS 2184
Current · Basking Ridge, NJ · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Tom is a loan officer who previously worked as an Account Executive and Junior Loan Officer at an online lender. He holds an Associate's Degree in Business Administration from Bergen Community College and is a published fantasy author.
Our summary of the lender page. Verified 2026-10-09.
- Education
- Associate's Degree in Business Administration from Bergen Community College
- Source (opens in a new tab), verified 2026-10-09
- Role
- Previously worked as Account Executive, Junior Loan Officer and Manager of social media leads for an online lender
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Published author in the fantasy genre; received Pinnacle Book Achievement Award for 2015 novel 'Of Darkest Valor'
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Tom Cifichiello (NMLS 1430482), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/thomas-cifichiello-1430482, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.