{
  "canonical_url": "https://lendb.ai/s/new-construction/new-jersey",
  "summary": "As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in New Jersey whose lender pages show New construction work. The top-ranked are Michael McNamee (U.S. Bank, Ocean City), Greg T Gelato (Wells Fargo Home Mortgage, Red Bank) and Robert Burd (U.S. Bank, Chatham). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "new-construction",
  "state": "NJ",
  "total": 5,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 76054,
        "slug": "michael-mcnamee-76054",
        "full_name": "Michael McNamee",
        "canonical_url": "https://lendb.ai/lo/michael-mcnamee-76054",
        "json_url": "https://lendb.ai/lo/michael-mcnamee-76054.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Ocean City",
          "state": "NJ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/nj/ocean-city/michael-mcnamee-76054",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Ocean 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/michael-mcnamee-76054",
      "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": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 404155,
        "slug": "greg-t-gelato-404155",
        "full_name": "Greg T Gelato",
        "canonical_url": "https://lendb.ai/lo/greg-t-gelato-404155",
        "json_url": "https://lendb.ai/lo/greg-t-gelato-404155.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Red Bank",
          "state": "NJ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/nj/red-bank/greg-gelato",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Red Bank, NJ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/greg-t-gelato-404155",
      "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": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 644443,
        "slug": "robert-burd-644443",
        "full_name": "Robert Burd",
        "canonical_url": "https://lendb.ai/lo/robert-burd-644443",
        "json_url": "https://lendb.ai/lo/robert-burd-644443.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Chatham",
          "state": "NJ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/nj/chatham/robert-burd-644443",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Chatham, 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-burd-644443",
      "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": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1415046,
        "slug": "jaison-koshy-1415046",
        "full_name": "Jaison Koshy",
        "canonical_url": "https://lendb.ai/lo/jaison-koshy-1415046",
        "json_url": "https://lendb.ai/lo/jaison-koshy-1415046.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction 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)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jaison-koshy-1415046",
      "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.loanfactory.com/mortgage-expert/jaison-koshy-1415046"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "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 New construction 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": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    }
  ]
}