{
  "canonical_url": "https://lendb.ai/lang/pa/new-york",
  "summary": "As of 2026-10-26, LenDb lists 3 loan officers licensed in or based in New York whose lender pages say they speak Punjabi. The top-ranked are Soni Seth (AnnieMac Home Mortgage, Hauppauge), Subir Raj Oberoi (Meadowbrook Financial Mortgage Bankers Corp., Hicksville) and Niti Kapoor (The Federal Savings Bank). 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": "pa",
  "state": "NY",
  "total": 3,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 37.5,
      "loan_officer": {
        "nmls_id": 1571430,
        "slug": "soni-seth-1571430",
        "full_name": "Soni Seth",
        "canonical_url": "https://lendb.ai/lo/soni-seth-1571430",
        "json_url": "https://lendb.ai/lo/soni-seth-1571430.json",
        "lender": {
          "nmls_id": 338923,
          "name": "AnnieMac Home Mortgage",
          "slug": "anniemac-home-mortgage-338923",
          "canonical_url": "https://lendb.ai/lender/anniemac-home-mortgage-338923",
          "type": "imb"
        },
        "branch": {
          "city": "Hauppauge",
          "state": "NY"
        },
        "headshot_url": "https://annie-mac.com/wp-content/uploads/amweb_headshots/1571430_compressed.webp",
        "licensed_states": [
          "FL",
          "NY",
          "CT",
          "DE",
          "PA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "manufactured",
          "new-construction",
          "non-qm",
          "renovation",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-11-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://annie-mac.com/lo/soniseth/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-20)",
        "Office in Hauppauge, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: November 7, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/soni-seth-1571430",
      "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": 35.5,
      "loan_officer": {
        "nmls_id": 2336394,
        "slug": "subir-oberoi-2336394",
        "full_name": "Subir Raj Oberoi",
        "canonical_url": "https://lendb.ai/lo/subir-oberoi-2336394",
        "json_url": "https://lendb.ai/lo/subir-oberoi-2336394.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_353,h_351/https://mfmbankers.com/wp-content/uploads/2025/07/SubirRajOberoi-photo.png",
        "licensed_states": [
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mfmbankers.com/loanofficers/subir-raj-oberoi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-15)",
        "Office in Hicksville, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14"
      ],
      "canonical_url": "https://lendb.ai/lo/subir-oberoi-2336394",
      "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": 22.3,
      "loan_officer": {
        "nmls_id": 924550,
        "slug": "niti-kapoor-924550",
        "full_name": "Niti Kapoor",
        "canonical_url": "https://lendb.ai/lo/niti-kapoor-924550",
        "json_url": "https://lendb.ai/lo/niti-kapoor-924550.json",
        "lender": {
          "nmls_id": 411500,
          "name": "The Federal Savings Bank",
          "slug": "the-federal-savings-bank-411500",
          "canonical_url": "https://lendb.ai/lender/the-federal-savings-bank-411500",
          "type": "bank"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://www.thefederalsavingsbank.com/wp-content/uploads/2025/07/924550-new.jpg",
        "licensed_states": [
          "NY"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/niti-kapoor/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-26)",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/niti-kapoor-924550",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/niti-kapoor/"
      }
    }
  ]
}