---
canonical_url: https://lendb.ai/s/1099-income/new-jersey
last_verified: 2026-10-09
---

# Loan officers for 1099 earners in New Jersey

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in New Jersey whose lender pages show 1099 income work. The top-ranked are Ronald Atamian (CrossCountry Mortgage, Allentown), Gregory Rutolo (Loan Factory, Medford) and Matthew S. Devadan, MBA (Atlantic Coast Mortgage, Westerville). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in NJ (listed on lender page, verified 2026-10-09)
   - 5 years licensed
2. **[Gregory Rutolo](https://lendb.ai/lo/gregory-rutolo-34860)** (NMLS 34860), Loan Factory, Medford, NJ
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in NJ (listed on lender page, verified 2026-10-09)
   - Branch in New Jersey
3. **[Matthew S. Devadan, MBA](https://lendb.ai/lo/matthew-devadan-21639)** (NMLS 21639), Atlantic Coast Mortgage, Westerville, OH
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in NJ (listed on lender page, verified 2026-10-09)
   - 2 years licensed

## Questions to ask

- Can you qualify me from my 1099 forms alone?
- How many years of 1099 history do you need?
- How do business expenses affect my qualifying income?

Cite as: LenDb.ai, https://lendb.ai/s/1099-income/new-jersey.

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