{ "canonical_url": "https://lendb.ai/s/refinance/new-jersey", "summary": "As of 2026-10-26, LenDb lists 198 loan officers licensed in or based in New Jersey whose lender pages show Refinance work. The top-ranked are Michael Colella (Embrace Home Loans, Marlton), George Tsemberlis (CrossCountry Mortgage, White Plains) and Jason Stallworth (Embrace Home Loans, Amityville). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "NJ", "total": 198, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 56, "loan_officer": { "nmls_id": 1466855, "slug": "michael-colella-1466855", "full_name": "Michael Colella", "licensed_names": [ { "name": "Michael Colella", "name_with_middle_initial": "Michael C. Colella", "first_name": "Michael", "middle_initial": "C", "last_name": "Colella", "states": [ "FL", "MD", "NY" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "json_url": "https://lendb.ai/lo/michael-colella-1466855.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Marlton", "state": "NJ" }, "headshot_url": "https://www.embracehomeloans.com/media/mkldbxb5/mcolella_bio72.jpg", "licensed_states": [ "FL", "MD", "NJ", "NY", "PA", "VA", "CT", "MA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "first-time-buyer", "investor", "low-credit", "multi-family-2-4", "new-construction", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-02-09", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/marlton/michael-colella", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Marlton, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 9, 2026 (Florida), per state regulator", "States 10 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "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": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-jersey/marlton/michael-colella" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 52.5, "loan_officer": { "nmls_id": 1760286, "slug": "george-tsemberlis-1760286", "full_name": "George Tsemberlis", "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286", "json_url": "https://lendb.ai/lo/george-tsemberlis-1760286.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Plains", "state": "NY" }, "headshot_url": "https://thevault.ccm.com/asset/0bd44fcb-0690-4058-8536-3d22d8d1173f/Website/3690_Tsemberlis_1760286.jpg", "licensed_states": [ "FL", "CT", "NY", "PA", "CA", "NJ" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-12-03", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/george-tsemberlis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 3, 2020 (Florida), per state regulator", "States 15 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286", "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/white-plains-ny-3690/george-tsemberlis/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 51.5, "loan_officer": { "nmls_id": 7577, "slug": "jason-stallworth-7577", "full_name": "Jason Stallworth", "licensed_names": [ { "name": "Jason Stallworth", "name_with_middle_initial": "Jason C. Stallworth", "first_name": "Jason", "middle_initial": "C", "last_name": "Stallworth", "states": [ "DE", "FL", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg", "licensed_states": [ "FL", "PA", "NY", "DE", "AL", "DC", "GA", "NJ", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "investor", "jumbo", "low-credit", "multi-family-2-4", "new-construction", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 24, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "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": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 51.5, "loan_officer": { "nmls_id": 1621681, "slug": "megan-curtis-1621681", "full_name": "Megan Curtis", "licensed_names": [ { "name": "Megan Curtis", "name_with_middle_initial": "Megan S. Curtis", "first_name": "Megan", "middle_initial": "S", "last_name": "Curtis", "states": [ "AR", "CA", "CO", "DE", "FL", "IA", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "json_url": "https://lendb.ai/lo/megan-curtis-1621681.json", "lender": { "nmls_id": 35953, "name": "Pennymac", "slug": "pennymac-35953", "canonical_url": "https://lendb.ai/lender/pennymac-35953", "type": "imb" }, "branch": { "city": "Pasadena", "state": "CA" }, "headshot_url": "https://www.pennymac.com/assets/images/find-loan-officer/headshots/megan-curtis.jpg", "licensed_states": [ "FL", "CO", "TX", "DE", "AZ", "CA", "NJ", "AR", "IA" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "investor", "jumbo", "multi-family-2-4", "usda", "va", "vacation-home" ], "years_licensed": null, "earliest_license_record": { "date": "2017-09-12", "state": "CO" }, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.pennymac.com/find-loan-officer/megan-curtis", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 12, 2017 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "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": "2026-10-20", "source_url": "https://www.pennymac.com/find-loan-officer/megan-curtis" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 51, "loan_officer": { "nmls_id": 457108, "slug": "eric-raso-457108", "full_name": "Eric Raso", "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "json_url": "https://lendb.ai/lo/eric-raso-457108.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "RI", "SC", "SD", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "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": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-27", "state": "CO" }, "licensed_since": { "year": 2014, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 27, 2014 (Colorado), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "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": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/eric-raso" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 49.3, "loan_officer": { "nmls_id": 1407263, "slug": "chelsea-masterson-1407263", "full_name": "Chelsea Masterson", "licensed_names": [ { "name": "Chelsea Masterson", "name_with_middle_initial": "Chelsea L. Masterson", "first_name": "Chelsea", "middle_initial": "L", "last_name": "Masterson", "states": [ "FL", "NY" ], "source": "state_regulator", "as_of": "2026-10-13" } ], "canonical_url": "https://lendb.ai/lo/chelsea-masterson-1407263", "json_url": "https://lendb.ai/lo/chelsea-masterson-1407263.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "headshot_url": null, "licensed_states": [ "FL", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-05-08", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4773/chelsea-masterson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 8, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/chelsea-masterson-1407263", "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": "2026-10-22", "source_url": "https://crosscountrymortgage.com/sarasota-fl-4773/chelsea-masterson/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 47, "loan_officer": { "nmls_id": 21524, "slug": "matthew-fenster-21524", "full_name": "Matt Fenster", "licensed_names": [ { "name": "Matthew Fenster", "name_with_middle_initial": "Matthew B. 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