{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=ru&state=NY",
  "filters": {
    "state": "NY",
    "lang": "ru",
    "limit": 10
  },
  "count": 8,
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 624047,
        "slug": "bella-beyder-624047",
        "full_name": "Bella Beyder",
        "canonical_url": "https://lendb.ai/lo/bella-beyder-624047",
        "json_url": "https://lendb.ai/lo/bella-beyder-624047.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": "Staten Island",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/VR8OQwlPB-61J4bTrR95_VCwQjqUvk2WX3Fazt1DP88/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/staten-island/200-new-dorp-ln-hla-624047",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-19)",
        "Office in Staten Island, 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/bella-beyder-624047",
      "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": 2,
      "score": 40,
      "loan_officer": {
        "nmls_id": 625577,
        "slug": "nataliya-dovgan-cronin-625577",
        "full_name": "Nataliya Dovgan-Cronin",
        "canonical_url": "https://lendb.ai/lo/nataliya-dovgan-cronin-625577",
        "json_url": "https://lendb.ai/lo/nataliya-dovgan-cronin-625577.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/HlSMWht1h2P7YwlctUOH0jLFhEK2P-AQgHgA1eMfNI0/500x749.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "pl",
          "ru"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/1370-avenue-of-the-americas-hla-625577",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-19)",
        "Office in New York, 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/nataliya-dovgan-cronin-625577",
      "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": 3,
      "score": 40,
      "loan_officer": {
        "nmls_id": 1466578,
        "slug": "sabina-rafalovich-1466578",
        "full_name": "Sabina Rafalovich",
        "canonical_url": "https://lendb.ai/lo/sabina-rafalovich-1466578",
        "json_url": "https://lendb.ai/lo/sabina-rafalovich-1466578.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/mLbAIBqR7IxAJFMR-EvDLy_3MxyCGOpufbdyT25SQu4/1335x2000.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/2623-e-17th-st-hla-1466578",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (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/sabina-rafalovich-1466578",
      "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": 4,
      "score": 38.5,
      "loan_officer": {
        "nmls_id": 602253,
        "slug": "yuriy-belkovskyy-602253",
        "full_name": "Yuriy Belkovskyy",
        "canonical_url": "https://lendb.ai/lo/yuriy-belkovskyy-602253",
        "json_url": "https://lendb.ai/lo/yuriy-belkovskyy-602253.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/Kl3Nc_XI2jdKoXwvPR7oqISjJXcrZ5GyuHlP3bF02o0/1204x1800.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/177-montague-st-hla-602253",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (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 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/yuriy-belkovskyy-602253",
      "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": 5,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 25930,
        "slug": "alexandra-meskin-25930",
        "full_name": "Alexandra Meskin",
        "canonical_url": "https://lendb.ai/lo/alexandra-meskin-25930",
        "json_url": "https://lendb.ai/lo/alexandra-meskin-25930.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": "Staten Island",
          "state": "NY"
        },
        "headshot_url": "https://thevault.ccm.com/asset/1d862402-4666-409a-a3e2-a20040813b52/Website/4594_Meskin_25930-jpg.jpg",
        "licensed_states": [
          "NY"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ru"
        ],
        "specialties": [],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/staten-island-ny-5255/alexandra-meskin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-26)",
        "Office in Staten Island, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14"
      ],
      "canonical_url": "https://lendb.ai/lo/alexandra-meskin-25930",
      "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/"
      }
    },
    {
      "rank": 6,
      "score": 34.3,
      "loan_officer": {
        "nmls_id": 624499,
        "slug": "arsen-giller-624499",
        "full_name": "Arsen Giller",
        "canonical_url": "https://lendb.ai/lo/arsen-giller-624499",
        "json_url": "https://lendb.ai/lo/arsen-giller-624499.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/z3x2rtqED5n9t5zk52L-GAx0N3PWI7ZWNLUtm4RX1GM/2560x3840.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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": 8,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/1180-2nd-ave-hla-624499",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-19)",
        "Office in New York, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 8 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arsen-giller-624499",
      "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": 7,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 2341290,
        "slug": "andrea-pearl-2341290",
        "full_name": "Andrea Pearl",
        "licensed_names": [
          {
            "name": "Andrea Pearl",
            "name_with_middle_initial": "Andrea S. Pearl",
            "first_name": "Andrea",
            "middle_initial": "S",
            "last_name": "Pearl",
            "states": [
              "FL",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/andrea-pearl-2341290",
        "json_url": "https://lendb.ai/lo/andrea-pearl-2341290.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": "North Bellmore",
          "state": "NY"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "he",
          "ru"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "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": {
          "date": "2022-12-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 5,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/north-bellmore/1542-bellmore-ave-hla-2341290",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-09)",
        "Office in North Bellmore, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: December 6, 2022 (Florida), per state regulator",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-pearl-2341290",
      "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": "2026-10-09",
        "source_url": null
      }
    },
    {
      "rank": 8,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 64154,
        "slug": "gene-shapiro-64154",
        "full_name": "Gene Shapiro",
        "licensed_names": [
          {
            "name": "Eugene Shapiro",
            "name_with_middle_initial": "Eugene G. Shapiro",
            "first_name": "Eugene",
            "middle_initial": "G",
            "last_name": "Shapiro",
            "states": [
              "FL",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/gene-shapiro-64154",
        "json_url": "https://lendb.ai/lo/gene-shapiro-64154.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "slug": "wells-fargo-399801",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/XUnLP_t9TBLBYV9vBdPoxHd2nIWEYvNjCtMeOyBd6HE/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-04-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/fl/boca-raton/gene",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-19)",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: April 25, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/gene-shapiro-64154",
      "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
      }
    }
  ]
}