{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=NY",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "NY",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 58.8,
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        "nmls_id": 56087,
        "slug": "jose-becerra-56087",
        "full_name": "Jose Becerra",
        "canonical_url": "https://lendb.ai/lo/jose-becerra-56087",
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          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
        "branch": {
          "city": "Middle Village",
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        "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": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/middle-village/74-07-eliot-ave-hla-56087",
        "disciplinary_check": "not_checked"
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Middle Village, 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/jose-becerra-56087",
      "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
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 2,
      "score": 58,
      "loan_officer": {
        "nmls_id": 28440,
        "slug": "david-toledo-28440",
        "full_name": "David Toledo",
        "canonical_url": "https://lendb.ai/lo/david-toledo-28440",
        "json_url": "https://lendb.ai/lo/david-toledo-28440.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Bronx",
          "state": "NY"
        },
        "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/bronx/2725-e-tremont-ave-hla-28440",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Bronx, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-toledo-28440",
      "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
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 55.5,
      "loan_officer": {
        "nmls_id": 1879790,
        "slug": "michelle-sanchez-1879790",
        "full_name": "Michelle Sanchez",
        "canonical_url": "https://lendb.ai/lo/michelle-sanchez-1879790",
        "json_url": "https://lendb.ai/lo/michelle-sanchez-1879790.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Denville",
          "state": "NJ"
        },
        "licensed_states": [
          "NJ",
          "NY"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 5,
        "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-5050/michelle-sanchez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-sanchez-1879790",
      "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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 4,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 61691,
        "slug": "tom-gates-61691",
        "full_name": "Tom Gates",
        "canonical_url": "https://lendb.ai/lo/tom-gates-61691",
        "json_url": "https://lendb.ai/lo/tom-gates-61691.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Montvale",
          "state": "NJ"
        },
        "licensed_states": [
          "CT",
          "NJ",
          "NY",
          "OR",
          "PA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-gates-61691",
      "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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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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      "rank": 5,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 146468,
        "slug": "robert-kaiser-146468",
        "full_name": "Rob Kaiser",
        "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468",
        "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sarasota",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NJ",
          "NY",
          "PA",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-08-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: August 21, 2025 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468",
      "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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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 172843,
        "slug": "alessandra-davis-172843",
        "full_name": "Sandy Davis",
        "canonical_url": "https://lendb.ai/lo/alessandra-davis-172843",
        "json_url": "https://lendb.ai/lo/alessandra-davis-172843.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Aventura",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2013-05-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2013,
          "state": "FL"
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        "years_experience": 20,
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: May 15, 2013 (Florida), per state regulator",
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        "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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      "matched_specialties": [
        "down-payment-assistance"
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      "rank": 7,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 223618,
        "slug": "joanne-rogers-223618",
        "full_name": "Joanne Rogers",
        "canonical_url": "https://lendb.ai/lo/joanne-rogers-223618",
        "json_url": "https://lendb.ai/lo/joanne-rogers-223618.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Deerfield",
          "state": "IL"
        },
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          "IL",
          "IN",
          "ME",
          "MI",
          "NY",
          "OR",
          "SC",
          "TX",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-02-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/deerfield-il-3073/joanne-rogers/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: February 24, 2020 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joanne-rogers-223618",
      "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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "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": "confirmed"
          },
          {
            "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"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-02-08",
          "state": "FL"
        },
        "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 Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: February 8, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-luzzi-276620",
      "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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
      "rank": 9,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 659409,
        "slug": "michael-filan-659409",
        "full_name": "Mike Filan",
        "canonical_url": "https://lendb.ai/lo/michael-filan-659409",
        "json_url": "https://lendb.ai/lo/michael-filan-659409.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "DC",
          "MD",
          "NC",
          "NY",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2024-03-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CO"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-3667/michael-filan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 22, 2024 (Colorado), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-filan-659409",
      "license_check": {
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        "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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
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      "score": 54.5,
      "loan_officer": {
        "nmls_id": 593206,
        "slug": "sean-kenny-593206",
        "full_name": "Sean Kenny",
        "canonical_url": "https://lendb.ai/lo/sean-kenny-593206",
        "json_url": "https://lendb.ai/lo/sean-kenny-593206.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Paramus",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "TX",
          "NY"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2022-09-27",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/Sean-Kenny",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-11)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: September 27, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sean-kenny-593206",
      "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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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  ]
}