---
canonical_url: https://lendb.ai/lang/pa/new-york
last_verified: 2026-10-26
---

# Punjabi-speaking loan officers in New York

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.

## Ranked, with reasons

1. **[Soni Seth](https://lendb.ai/lo/soni-seth-1571430)** (NMLS 1571430), AnnieMac Home Mortgage, Hauppauge, NY
   - 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
2. **[Subir Raj Oberoi](https://lendb.ai/lo/subir-oberoi-2336394)** (NMLS 2336394), Meadowbrook Financial Mortgage Bankers Corp., Hicksville, NY
   - 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
3. **[Niti Kapoor](https://lendb.ai/lo/niti-kapoor-924550)** (NMLS 924550), The Federal Savings Bank
   - Speaks Punjabi (lender page, verified 2026-10-26)
   - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)

Cite as: LenDb.ai, https://lendb.ai/lang/pa/new-york.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._