{ "canonical_url": "https://lendb.ai/s/condo/new-jersey", "summary": "As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in New Jersey whose lender pages show Condo work. The top-ranked are Susan Lake (CrossCountry Mortgage, Denville), Jeffrey Zulauf (CrossCountry Mortgage, Suwanee) and Maggie Mikaitis (CrossCountry Mortgage, Chicago). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "condo", "state": "NJ", "total": 42, "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 Condo 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": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 57.3, "loan_officer": { "nmls_id": 18566, "slug": "jeffrey-zulauf-18566", "full_name": "Jeffrey Zulauf", "canonical_url": "https://lendb.ai/lo/jeffrey-zulauf-18566", "json_url": "https://lendb.ai/lo/jeffrey-zulauf-18566.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Suwanee", "state": "GA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "MD", "MI", "MS", "NC", "NJ", "NV", "OH", "PA", "SC", "TN", "TX", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/suwanee-ga-4738/jeffrey-zulauf/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo 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 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeffrey-zulauf-18566", "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/suwanee-ga-4738/jeffrey-zulauf/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 56.3, "loan_officer": { "nmls_id": 1395394, "slug": "maggie-mikaitis-1395394", "full_name": "Maggie Mikaitis", "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394", "json_url": "https://lendb.ai/lo/maggie-mikaitis-1395394.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "VT", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 13, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-5072/maggie-mikaitis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo 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 2018 (per Florida records)", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394", "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/chicago-il-5072/maggie-mikaitis/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.8, "loan_officer": { "nmls_id": 235881, "slug": "nicole-perrone-235881", "full_name": "Nicole Perrone", "canonical_url": "https://lendb.ai/lo/nicole-perrone-235881", "json_url": "https://lendb.ai/lo/nicole-perrone-235881.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", "NJ", "NY", "PA" ], "licenses": [ { "state": "CA", "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": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3498/nicole-perrone/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo 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 2024 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nicole-perrone-235881", "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-3498/nicole-perrone/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 5, "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 Condo 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": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 6, "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 Condo 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": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 513224, "slug": "david-fay-513224", "full_name": "David Fay", "canonical_url": "https://lendb.ai/lo/david-fay-513224", "json_url": "https://lendb.ai/lo/david-fay-513224.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "MA" }, "licensed_states": [ "CT", "MA", "NC", "NH", "NJ", "PA", "RI", "VA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/david-fay/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo 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)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/david-fay-513224", "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/lexington-ma-4841/david-fay/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 8, "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 Condo 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": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 50.3, "loan_officer": { "nmls_id": 659153, "slug": "nicole-habib-659153", "full_name": "Nicole Habib", "canonical_url": "https://lendb.ai/lo/nicole-habib-659153", "json_url": "https://lendb.ai/lo/nicole-habib-659153.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Montvale", "state": "NJ" }, "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": "condo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 11, "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo on lender page (lender page, verified 2026-10-09)", "Office in Montvale, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 11 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nicole-habib-659153", "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/montvale-nj-3408/nicole-habib-pace/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [] }, { "rank": 10, "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 Condo 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). 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