{ "canonical_url": "https://lendb.ai/s/non-qm/new-jersey", "summary": "As of 2026-10-09, LenDb lists 78 loan officers licensed in or based in New Jersey whose lender pages show Non-QM loan work. The top-ranked are Eric LaVecchia (CrossCountry Mortgage, Moorestown), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Bobby Luu (American Pacific Mortgage, Reston). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "non-qm", "state": "NJ", "total": 78, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 995264, "slug": "eric-lavecchia-995264", "full_name": "Eric LaVecchia", "canonical_url": "https://lendb.ai/lo/eric-lavecchia-995264", "json_url": "https://lendb.ai/lo/eric-lavecchia-995264.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Moorestown", "state": "NJ" }, "licensed_states": [ "FL", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/moorestown-nj-3425/eric-lavecchia/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Moorestown, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eric-lavecchia-995264", "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/moorestown-nj-3425/eric-lavecchia/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan 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 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "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/newport-beach-ca-4169/jose-magallanes/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.3, "loan_officer": { "nmls_id": 185192, "slug": "hong-luu-185192", "full_name": "Bobby Luu", "canonical_url": "https://lendb.ai/lo/hong-luu-185192", "json_url": "https://lendb.ai/lo/hong-luu-185192.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Reston", "state": "VA" }, "licensed_states": [ "FL", "DC", "MD", "NE", "NJ", "PA", "TX", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.apmortgage.com/bobby-luu", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan 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 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/hong-luu-185192", "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.apmortgage.com/bobby-luu" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58.3, "loan_officer": { "nmls_id": 198190, "slug": "keith-allen-198190", "full_name": "Keith Allen", "canonical_url": "https://lendb.ai/lo/keith-allen-198190", "json_url": "https://lendb.ai/lo/keith-allen-198190.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": [ "FL", "CA", "NJ" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "dscr", "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": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 33, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/keith-allen-198190", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan 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 2025 (per Florida records)", "States 33 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/keith-allen-198190", "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/keith-allen-198190" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 58.3, "loan_officer": { "nmls_id": 1423725, "slug": "william-lee-underwood-1423725", "full_name": "William Lee Underwood", "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725", "json_url": "https://lendb.ai/lo/william-lee-underwood-1423725.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": [ "PA", "DE", "GA", "NJ" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 40, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/william-lee-underwood-1423725", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan 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 40 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725", "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/william-lee-underwood-1423725" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 57.8, "loan_officer": { "nmls_id": 175852, "slug": "eric-gasper-175852", "full_name": "Eric Gasper", "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "json_url": "https://lendb.ai/lo/eric-gasper-175852.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mineola", "state": "NY" }, "licensed_states": [ "FL", "CO", "CA", "CT", "DC", "DE", "IL", "MA", "ME", "MI", "NH", "NJ", "NY", "OH", "OR", "PA", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan 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 2010 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "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/mineola-ny-4750/eric-gasper/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 57.8, "loan_officer": { "nmls_id": 177439, "slug": "margaret-wilderotter-177439", "full_name": "Margie Wilderotter", "canonical_url": "https://lendb.ai/lo/margaret-wilderotter-177439", "json_url": "https://lendb.ai/lo/margaret-wilderotter-177439.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", "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": "non-qm", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 34, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/margaret-wilderotter/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan 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 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/margaret-wilderotter-177439", "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-3690/margaret-wilderotter/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 48244, "slug": "william-mcelroy-48244", "full_name": "Billy McElroy", "canonical_url": "https://lendb.ai/lo/william-mcelroy-48244", "json_url": "https://lendb.ai/lo/william-mcelroy-48244.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sewell", "state": "NJ" }, "licensed_states": [ "FL", "CA", "DE", "NJ", "PA", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/sewell-nj-3423/william-mcelroy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Sewell, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/william-mcelroy-48244", "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/sewell-nj-3423/william-mcelroy/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 9, "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 Non-QM loan 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": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 54.8, "loan_officer": { "nmls_id": 276620, "slug": "steven-luzzi-276620", "full_name": "Steven Luzzi", "canonical_url": "https://lendb.ai/lo/steven-luzzi-276620", "json_url": "https://lendb.ai/lo/steven-luzzi-276620.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Summit", "state": "NJ" }, "licensed_states": [ "FL", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Summit, NJ", "NJ listed on their lender page (not yet checked with the state regulator; 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