{ "canonical_url": "https://lendb.ai/lang/es/new-york", "summary": "As of 2026-10-26, LenDb lists 37 loan officers licensed in or based in New York whose lender pages say they speak Spanish. The top-ranked are Albert Diaz (Guaranteed Rate Affinity, LLC, New York), Andrea Jimenez Kullman (Homestead Funding, Albany) and Matthew T Konecni (JPMorgan Chase Bank (Chase Home Lending), Valley Cottage). Ranking is lender-neutral: a license in NY, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "NY", "total": 37, "last_verified": "2026-10-26", "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": { "city": "New York", "state": "NY" }, "headshot_url": "https://a.mktgcdn.com/p/EXOZUl-24CwnILqjhTAZT1_5KXz3k0qJd5FsdOBJl0k/191x275.jpg", "licensed_states": [ "FL", "NY", "CT", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-12-01", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.grarate.com/loan-officers/albert-diaz-704326", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in New York, NY", "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)" ], "canonical_url": "https://lendb.ai/lo/adalberto-diaz-704326", "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": 2, "score": 45.8, "loan_officer": { "nmls_id": 65157, "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": { "city": "Albany", "state": "NY" }, "headshot_url": "https://cdn.prod.website-files.com/63b853e7f69a688bd42a246b/6a0362468ec9d2a95ad14a63_Andrea%20Kullman%202019%20Transparent%20Web.png", "licensed_states": [ "FL", "PA", "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" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "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" }, "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/" } }, { "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", "licensed_states": [], "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 } }, { "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": [ "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": "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": 28, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/ridgewood/60-67-myrtle-ave-hla-392725", "disciplinary_check": "not_checked" }, "reasons": [ "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 } }, { "rank": 5, "score": 40.3, "loan_officer": { "nmls_id": 483869, "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" } ], "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/bayside/23-98-bell-blvd-hla-483869", "disciplinary_check": "not_checked" }, "reasons": [ "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 } }, { "rank": 6, "score": 40, "loan_officer": { "nmls_id": 625767, "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": [ "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": "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": 18, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/6701-bay-pkwy-hla-625767", "disciplinary_check": "not_checked" }, "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 } }, { "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": [ "FL", "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/" } }, { "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" } ], "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": [ "es" ], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "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": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-11-12", "state": "FL" }, "licensed_since": { "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": [ "Speaks Spanish (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", "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). 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