{ "canonical_url": "https://lendb.ai/s/co-op/new-jersey", "summary": "As of 2026-10-09, LenDb lists 36 loan officers licensed in or based in New Jersey whose lender pages show Co-op work. The top-ranked are Susan Lake (CrossCountry Mortgage, Denville), Pat Lavell (CrossCountry Mortgage, Pittsford) and John Astrologo (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "co-op", "state": "NJ", "total": 36, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 61474, "slug": "susan-lake-61474", "full_name": "Susan Lake", "canonical_url": "https://lendb.ai/lo/susan-lake-61474", "json_url": "https://lendb.ai/lo/susan-lake-61474.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Denville", "state": "NJ" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/susan-lake/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Denville, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/susan-lake-61474", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/denville-nj-3480/susan-lake/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 179233, "slug": "patrick-lavell-179233", "full_name": "Pat Lavell", "canonical_url": "https://lendb.ai/lo/patrick-lavell-179233", "json_url": "https://lendb.ai/lo/patrick-lavell-179233.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Pittsford", "state": "NY" }, "licensed_states": [ "FL", "GA", "NC", "NJ", "NY", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/pittsford-ny-5652/patrick-lavell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patrick-lavell-179233", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/pittsford-ny-5652/patrick-lavell/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57, "loan_officer": { "nmls_id": 441861, "slug": "john-astrologo-441861", "full_name": "John Astrologo", "canonical_url": "https://lendb.ai/lo/john-astrologo-441861", "json_url": "https://lendb.ai/lo/john-astrologo-441861.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Plains", "state": "NY" }, "licensed_states": [ "FL", "CT", "IN", "MA", "MN", "NC", "NJ", "NY", "PA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 16, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-astrologo-441861", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 52.8, "loan_officer": { "nmls_id": 63768, "slug": "christopher-albanese-63768", "full_name": "Christopher Albanese", "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768", "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Durango", "state": "CO" }, "licensed_states": [ "FL", "CA", "CO", "CT", "IL", "MA", "NJ", "NY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 52.3, "loan_officer": { "nmls_id": 1722436, "slug": "nicholas-scalici-1722436", "full_name": "Nicholas Scalici", "canonical_url": "https://lendb.ai/lo/nicholas-scalici-1722436", "json_url": "https://lendb.ai/lo/nicholas-scalici-1722436.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Staten Island", "state": "NY" }, "licensed_states": [ "FL", "NJ", "NY" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/staten-island-ny-5329/nicholas-scalici/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/nicholas-scalici-1722436", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/staten-island-ny-5329/nicholas-scalici/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 50.8, "loan_officer": { "nmls_id": 404510, "slug": "barry-koven-404510", "full_name": "Barry Koven", "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "json_url": "https://lendb.ai/lo/barry-koven-404510.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 50.5, "loan_officer": { "nmls_id": 236356, "slug": "matthew-ward-236356", "full_name": "Matthew Ward", "canonical_url": "https://lendb.ai/lo/matthew-ward-236356", "json_url": "https://lendb.ai/lo/matthew-ward-236356.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Brick", "state": "NJ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/brick/499-route-70-hla-236356", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Brick, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/matthew-ward-236356", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 49.8, "loan_officer": { "nmls_id": 483409, "slug": "robert-caravella-483409", "full_name": "Robert Caravella", "canonical_url": "https://lendb.ai/lo/robert-caravella-483409", "json_url": "https://lendb.ai/lo/robert-caravella-483409.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Jersey City", "state": "NJ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/jersey-city/480-washington-boulevard-hla-483409", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Jersey City, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/robert-caravella-483409", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 48.3, "loan_officer": { "nmls_id": 63737, "slug": "nicole-mccarthy-63737", "full_name": "Nicole McCarthy", "canonical_url": "https://lendb.ai/lo/nicole-mccarthy-63737", "json_url": "https://lendb.ai/lo/nicole-mccarthy-63737.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Union", "state": "NJ" }, "licensed_states": [ "FL", "CA", "CT", "MA", "NJ", "NY", "PA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Union, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/nicole-mccarthy-63737", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 45.5, "loan_officer": { "nmls_id": 157015, "slug": "peter-lucia-157015", "full_name": "Peter Lucia", "canonical_url": "https://lendb.ai/lo/peter-lucia-157015", "json_url": "https://lendb.ai/lo/peter-lucia-157015.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [ "FL", "AZ", "CT", "IN", "KS", "MD", "ME", "NJ", "NV", "NY", "OH", "PA", "RI", "VA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/peter-lucia/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/peter-lucia-157015", "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/peter-lucia/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 45.3, "loan_officer": { "nmls_id": 385124, "slug": "scott-nadler-385124", "full_name": "Scott Nadler", "canonical_url": "https://lendb.ai/lo/scott-nadler-385124", "json_url": "https://lendb.ai/lo/scott-nadler-385124.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [ "FL", "CA", "CT", "GA", "IL", "NJ", "NY", "PA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/scott-nadler/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "NJ listed on their lender page (not yet checked with the state regulator; 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