{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=NY",
  "filters": {
    "state": "NY",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 46,
      "loan_officer": {
        "nmls_id": 704326,
        "slug": "adalberto-diaz-704326",
        "full_name": "Albert Diaz",
        "canonical_url": "https://lendb.ai/lo/adalberto-diaz-704326",
        "json_url": "https://lendb.ai/lo/adalberto-diaz-704326.json",
        "lender": {
          "nmls_id": 1598647,
          "name": "Guaranteed Rate Affinity, LLC",
          "slug": "guaranteed-rate-affinity-llc-1598647",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
          "type": "imb"
        },
        "branch": {
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          "state": "NY"
        },
        "headshot_url": "https://a.mktgcdn.com/p/EXOZUl-24CwnILqjhTAZT1_5KXz3k0qJd5FsdOBJl0k/191x275.jpg",
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.grarate.com/loan-officers/albert-diaz-704326",
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        "Speaks Spanish (lender page, verified 2026-10-21)",
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: December 1, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-21)"
      ],
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        "confidence": "confirmed",
        "eligible": true,
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        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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      "rank": 2,
      "score": 45.8,
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        "slug": "andrea-kullman-65157",
        "full_name": "Andrea Jimenez Kullman",
        "canonical_url": "https://lendb.ai/lo/andrea-kullman-65157",
        "json_url": "https://lendb.ai/lo/andrea-kullman-65157.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "slug": "homestead-funding-3232",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
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          "state": "NY"
        },
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          "CT",
          "NY",
          "MD",
          "NC",
          "MA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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          "es"
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        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "physician",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-07-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/andrea-jimenez-kullman",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Albany, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: July 7, 2017 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-kullman-65157",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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    {
      "rank": 3,
      "score": 41,
      "loan_officer": {
        "nmls_id": 945265,
        "slug": "matthew-t-konecni-945265",
        "full_name": "Matthew T Konecni",
        "canonical_url": "https://lendb.ai/lo/matthew-t-konecni-945265",
        "json_url": "https://lendb.ai/lo/matthew-t-konecni-945265.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Valley Cottage",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/4phaYD1U72rn97oUR93cqQvMlBBdstghF5AHTXXw2QE/600x900.jpg",
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        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 22,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/valley-cottage/124-route-303-hla-945265",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Valley Cottage, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-t-konecni-945265",
      "license_check": {
        "state": "NY",
        "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": "2026-10-19",
        "source_url": null
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    },
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      "rank": 4,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 392725,
        "slug": "candria-posso-392725",
        "full_name": "Candria Posso",
        "canonical_url": "https://lendb.ai/lo/candria-posso-392725",
        "json_url": "https://lendb.ai/lo/candria-posso-392725.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Ridgewood",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/S9FcXAtfquV1VBd2dkhnyqdRUW1y8GziosEVJNBtKAQ/1621x2448.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 28,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/ridgewood/60-67-myrtle-ave-hla-392725",
        "disciplinary_check": "not_checked"
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        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Ridgewood, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/candria-posso-392725",
      "license_check": {
        "state": "NY",
        "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": "2026-10-19",
        "source_url": null
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      "rank": 5,
      "score": 40.3,
      "loan_officer": {
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        "slug": "joel-anthony-fana-483869",
        "full_name": "Joel Anthony Fana",
        "canonical_url": "https://lendb.ai/lo/joel-anthony-fana-483869",
        "json_url": "https://lendb.ai/lo/joel-anthony-fana-483869.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Bayside",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/xO9Wq6rU5VRHW242D6QUcyJY8j3ptBOgZUHKKSqA7c0/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/bayside/23-98-bell-blvd-hla-483869",
        "disciplinary_check": "not_checked"
      },
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        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Bayside, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joel-anthony-fana-483869",
      "license_check": {
        "state": "NY",
        "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": "2026-10-19",
        "source_url": null
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      "rank": 6,
      "score": 40,
      "loan_officer": {
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        "slug": "sandra-torres-625767",
        "full_name": "Sandra Torres",
        "canonical_url": "https://lendb.ai/lo/sandra-torres-625767",
        "json_url": "https://lendb.ai/lo/sandra-torres-625767.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Brooklyn",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/Z10oxn9VH69AgQY_mEUE3fbrV-bxgAbh3iTZab2a5as/600x900.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "lender_offers": [],
        "employer_program_approvals": [
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/6701-bay-pkwy-hla-625767",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Brooklyn, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-torres-625767",
      "license_check": {
        "state": "NY",
        "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": "2026-10-19",
        "source_url": null
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      "rank": 7,
      "score": 39.8,
      "loan_officer": {
        "nmls_id": 68055,
        "slug": "jessica-coen-68055",
        "full_name": "Jessica Coen",
        "canonical_url": "https://lendb.ai/lo/jessica-coen-68055",
        "json_url": "https://lendb.ai/lo/jessica-coen-68055.json",
        "lender": {
          "nmls_id": 3901,
          "name": "US Mortgage Corporation",
          "slug": "us-mortgage-corporation-3901",
          "canonical_url": "https://lendb.ai/lender/us-mortgage-corporation-3901",
          "type": "imb"
        },
        "branch": {
          "city": "Bronx",
          "state": "NY"
        },
        "headshot_url": "https://usmortgage.com/wp-content/uploads/2025/11/Jessica-Coen-e1763484765287.jpg",
        "licensed_states": [
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          "NY",
          "CT"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-09-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://usmortgage.com/loan-officers/jessica-coen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Bronx, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: September 17, 2019 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-coen-68055",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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    },
    {
      "rank": 8,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 47312,
        "slug": "roberto-ribadeneyra-47312",
        "full_name": "Roberto Ribadeneyra",
        "canonical_url": "https://lendb.ai/lo/roberto-ribadeneyra-47312",
        "json_url": "https://lendb.ai/lo/roberto-ribadeneyra-47312.json",
        "lender": {
          "nmls_id": 456916,
          "name": "United Nations Federal Credit Union",
          "slug": "united-nations-federal-credit-union-456916",
          "canonical_url": "https://lendb.ai/lender/united-nations-federal-credit-union-456916",
          "type": "credit_union"
        },
        "branch": {
          "city": "Long Island City",
          "state": "NY"
        },
        "headshot_url": "https://www.unfcu.org/globalassets/photos/headshots/photo-mortgage-ribadeneyra.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/roberto-ribadeneyra/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Long Island City, NY",
        "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 17 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/roberto-ribadeneyra-47312",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 9,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 493493,
        "slug": "edward-correa-493493",
        "full_name": "Edward Correa",
        "canonical_url": "https://lendb.ai/lo/edward-correa-493493",
        "json_url": "https://lendb.ai/lo/edward-correa-493493.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "East Rockaway",
          "state": "NY"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/east-rockaway/111-main-st-hla-493493",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in East Rockaway, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: March 7, 2023 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/edward-correa-493493",
      "license_check": {
        "state": "NY",
        "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 10,
      "score": 39,
      "loan_officer": {
        "nmls_id": 2011833,
        "slug": "laura-arias-2011833",
        "full_name": "Laura Arias",
        "canonical_url": "https://lendb.ai/lo/laura-arias-2011833",
        "json_url": "https://lendb.ai/lo/laura-arias-2011833.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "New York",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/lbK6UeHQlgRx0p6MfMxIy96QWcBRE5XZLJ3hGBZ9ER8/200x300.jpg",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
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            "as_of": "2026-08"
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        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
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          "year": 2020,
          "state": "FL"
        },
        "years_experience": 16,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/201-e-79th-st-hla-2011833",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: November 12, 2020 (Florida), per state regulator",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/laura-arias-2011833",
      "license_check": {
        "state": "NY",
        "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": "2026-10-19",
        "source_url": null
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}