{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=NY",
  "filters": {
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 65.5,
      "loan_officer": {
        "nmls_id": 1760286,
        "slug": "george-tsemberlis-1760286",
        "full_name": "George Tsemberlis",
        "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286",
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        "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",
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          "FL",
          "CT",
          "NY",
          "PA",
          "CA",
          "NJ"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
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          {
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            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
          "date": "2020-12-03",
          "state": "FL"
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/george-tsemberlis/",
        "disciplinary_check": "not_checked"
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        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in White Plains, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: December 3, 2020 (Florida), per state regulator",
        "States 15 years of experience (lender page, 2026-10-26)"
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      "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286",
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        "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",
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      "match_status": "exact",
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        "refinance"
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      "match_level": "officer"
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      "rank": 2,
      "score": 64.5,
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        "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"
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            "source": "state_regulator",
            "as_of": "2026-10-30"
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        "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577",
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        "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"
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        "branch": {
          "city": "Amityville",
          "state": "NY"
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        "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg",
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          "FL",
          "PA",
          "NY",
          "DE",
          "AL",
          "DC",
          "GA",
          "NJ",
          "SC",
          "VA"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "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"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-11-24",
          "state": "FL"
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        "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"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Office in Amityville, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: November 24, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577",
      "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": [
        "refinance"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "rank": 3,
      "score": 57.8,
      "loan_officer": {
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        "slug": "anita-aguilar-498749",
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          {
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            "name_with_middle_initial": "Anita G. Aguilar",
            "first_name": "Anita",
            "middle_initial": "G",
            "last_name": "Aguilar",
            "states": [
              "CA",
              "FL",
              "NY"
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            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749",
        "json_url": "https://lendb.ai/lo/anita-aguilar-498749.json",
        "lender": {
          "nmls_id": 66247,
          "name": "Cardinal Financial Company",
          "slug": "cardinal-financial-66247",
          "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "headshot_url": "https://www.cardinalfinancial.com/wp-content/uploads/2018/08/2023-HEADSHOT-AA-600-×-600-px-4-150x150.png",
        "licensed_states": [
          "FL",
          "NY",
          "CA"
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        "licenses": [
          {
            "state": "CA",
            "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": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        "lender_offers": [
          "condo",
          "construction",
          "fha",
          "jumbo",
          "manufactured",
          "new-construction",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-06-23",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/anita-aguilar/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: June 23, 2011 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749",
      "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": [
        "refinance"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "score": 56.5,
      "loan_officer": {
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        "slug": "joelle-wright-1946515",
        "full_name": "Joelle Wright",
        "licensed_names": [
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            "name_with_middle_initial": "Joelle L. Wright",
            "first_name": "Joelle",
            "middle_initial": "L",
            "last_name": "Wright",
            "states": [
              "CT",
              "FL",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
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        "canonical_url": "https://lendb.ai/lo/joelle-wright-1946515",
        "json_url": "https://lendb.ai/lo/joelle-wright-1946515.json",
        "lender": {
          "nmls_id": 1330,
          "name": "United Mortgage Corp.",
          "slug": "united-mortgage-corp-1330",
          "canonical_url": "https://lendb.ai/lender/united-mortgage-corp-1330",
          "type": "imb"
        },
        "branch": {
          "city": "Woodbury",
          "state": "NY"
        },
        "headshot_url": "https://unitedmortgage.com/wp-content/uploads/2024/12/Head_Shot.png",
        "licensed_states": [
          "FL",
          "NY",
          "CT"
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        "licenses": [
          {
            "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": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "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": {
          "date": "2022-08-25",
          "state": "FL"
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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        "years_experience": 5,
        "lender_profile_url": "https://unitedmortgage.com/loan-officer/joelle-wright/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Office in Woodbury, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: August 25, 2022 (Florida), per state regulator",
        "States 5 years of experience (lender page, 2026-10-21)"
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      "canonical_url": "https://lendb.ai/lo/joelle-wright-1946515",
      "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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      "matched_specialties": [
        "refinance"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "rank": 5,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 2148419,
        "slug": "joseph-zarrillo-2148419",
        "full_name": "Joseph Zarrillo",
        "canonical_url": "https://lendb.ai/lo/joseph-zarrillo-2148419",
        "json_url": "https://lendb.ai/lo/joseph-zarrillo-2148419.json",
        "lender": {
          "nmls_id": 177308,
          "name": "Meadowbrook Financial Mortgage Bankers Corp.",
          "slug": "meadowbrook-financial-mortgage-bankers-corp-177308",
          "canonical_url": "https://lendb.ai/lender/meadowbrook-financial-mortgage-bankers-corp-177308",
          "type": "imb"
        },
        "branch": {
          "city": "Hicksville",
          "state": "NY"
        },
        "headshot_url": "https://sp-ao.shortpixel.ai/client/to_webp,q_glossy,ret_img,w_520,h_510/https://mfmbankers.com/wp-content/uploads/2025/07/JosephZarrillo-photo.png",
        "licensed_states": [
          "FL",
          "NY"
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-10-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://mfmbankers.com/loanofficers/joseph-zarrillo/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Hicksville, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: October 18, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-zarrillo-2148419",
      "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": [
        "refinance"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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    {
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      "score": 55.3,
      "loan_officer": {
        "nmls_id": 339303,
        "slug": "timothy-tallis-339303",
        "full_name": "Tim Tallis",
        "licensed_names": [
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            "name_with_middle_initial": "Timothy J. Tallis",
            "first_name": "Timothy",
            "middle_initial": "J",
            "last_name": "Tallis",
            "states": [
              "CA",
              "CT",
              "FL",
              "NY",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          },
          {
            "name": "Timothy Tallis",
            "name_with_middle_initial": null,
            "first_name": "Timothy",
            "middle_initial": null,
            "last_name": "Tallis",
            "states": [
              "IL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
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        ],
        "canonical_url": "https://lendb.ai/lo/timothy-tallis-339303",
        "json_url": "https://lendb.ai/lo/timothy-tallis-339303.json",
        "lender": {
          "nmls_id": 1907,
          "name": "Veterans United Home Loans",
          "slug": "veterans-united-home-loans-1907",
          "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MO"
        },
        "headshot_url": "https://www.veteransunited.com/assets/craft/images/loanofficers/tim-tallis/339303.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "NY",
          "CT",
          "CA",
          "IL"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        "lender_offers": [
          "fha",
          "first-time-buyer",
          "jumbo",
          "renovation",
          "usda"
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        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-06-30",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.veteransunited.com/lo/tim-tallis/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: June 30, 2011 (California), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/timothy-tallis-339303",
      "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": [
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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    {
      "rank": 7,
      "score": 52.3,
      "loan_officer": {
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