{
  "canonical_url": "https://lendb.ai/s/low-credit/new-jersey",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in New Jersey whose lender pages show Low credit score work. The top-ranked are Michael Cruz (Success Mortgage Partners, Paramus) and Katy Sychterz (Guild Mortgage, Lancaster). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "low-credit",
  "state": "NJ",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 44,
      "loan_officer": {
        "nmls_id": 197253,
        "slug": "michael-cruz-197253",
        "full_name": "Michael Cruz",
        "canonical_url": "https://lendb.ai/lo/michael-cruz-197253",
        "json_url": "https://lendb.ai/lo/michael-cruz-197253.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Paramus",
          "state": "NJ"
        },
        "licensed_states": [
          "NJ"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/michael-cruz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Office in Paramus, NJ",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-cruz-197253",
      "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://www.successmortgagepartners.com/advisor/michael-cruz/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 183951,
        "slug": "katy-sychterz-183951",
        "full_name": "Katy Sychterz",
        "canonical_url": "https://lendb.ai/lo/katy-sychterz-183951",
        "json_url": "https://lendb.ai/lo/katy-sychterz-183951.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lancaster",
          "state": "PA"
        },
        "licensed_states": [
          "DE",
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/pa/lancaster/katy-sychterz-507-rgksy.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/katy-sychterz-183951",
      "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://branches.guildmortgage.com/pa/lancaster/katy-sychterz-507-rgksy.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    }
  ]
}