---
canonical_url: https://lendb.ai/lo/thomas-cifichiello-1430482
json_url: https://lendb.ai/lo/thomas-cifichiello-1430482.json
nmls_id: 1430482
last_verified: 2026-10-09
---

# Tom Cifichiello

Loan Officer at Embrace Home Loans, Basking Ridge, NJ. NMLS ID 1430482 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1430482)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, confirmed)
- 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


## 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.

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

## Facts from the lender page and intro

- education: Associate's Degree in Business Administration from Bergen Community College. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello, verified 2026-10-09.
- role: Previously worked as Account Executive, Junior Loan Officer and Manager of social media leads for an online lender. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello, verified 2026-10-09.
- credential: Published author in the fantasy genre; received Pinnacle Book Achievement Award for 2015 novel 'Of Darkest Valor'. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO60377 | active | confirmed | 2019-04-04 | state_regulator | 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 | 72604 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Basking Ridge, NJ. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello, 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/1430482

## Contact

- linkedin_url: https://www.linkedin.com/in/thomas-cifichiello-9988b2126 (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-cifichiello-1430482#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1430482
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/tom-cifichiello
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Tom Cifichiello (NMLS 1430482), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/thomas-cifichiello-1430482, last verified 2026-10-09.

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