{ "canonical_url": "https://lendb.ai/lender/cliffco-inc-65328", "summary": "Cliffco, Inc. (company NMLS 65328) is an independent mortgage lender. LenDb lists 57 of its loan officers, with branches in 4 states, each with an individual NMLS ID, licensed states and sources.", "lender": { "nmls_id": 65328, "slug": "cliffco-inc-65328", "canonical_url": "https://lendb.ai/lender/cliffco-inc-65328", "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/65328", "name": { "value": "Cliffco, Inc.", "source": "state_regulator", "source_url": "https://cliffcomortgage.com/", "verified_at": "2026-10-13" }, "dba_names": [], "type": "imb", "website": { "value": "https://cliffcomortgage.com/", "source": "state_regulator", "source_url": "https://cliffcomortgage.com/", "verified_at": "2026-10-13" }, "lo_directory_url": "https://cliffcomortgage.com/find-a-loan-officer/", "hq_state": null, "loan_programs": { "value": [], "source": "state_regulator", "source_url": "https://cliffcomortgage.com/", "verified_at": "2026-10-13" }, "program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08", "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot" } ], "activity": { "source": "HMDA", "source_name": "HMDA, FFIEC/CFPB", "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025", "as_of_year": 2025, "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)", "third_party_share": 0.033, "includes_brokered": false, "years": [ { "year": 2025, "loans": 1184, "by_loan_type": { "conventional": 977, "fha": 182, "va": 25, "usda": 0 }, "purchase": 970, "refinance": 214, "other_purpose": 0, "jumbo": 40, "investor": 232, "volume_usd": 652640000 }, { "year": 2024, "loans": 1170, "by_loan_type": { "conventional": 953, "fha": 200, "va": 17, "usda": 0 }, "purchase": 988, "refinance": 182, "other_purpose": 0, "jumbo": 52, "investor": 263, "volume_usd": 621660000 } ], "top_states": [ { "state": "NY", "loans": 838 }, { "state": "FL", "loans": 112 }, { "state": "NJ", "loans": 78 }, { "state": "TX", "loans": 28 }, { "state": "AZ", "loans": 27 } ], "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans." }, "loan_officer_count": 57, "disciplinary_check": "not_checked", "disciplinary_actions": [], "last_verified_at": "2026-10-13" }, "facts": { "summary": { "text": "Cliffco Mortgage Bankers is an independent mortgage bank founded in 1989 and headquartered on Long Island, New York. It offers purchase, refinance, and reverse mortgage financing, including VA, FHA, conventional, and USDA loans. It is licensed to originate in multiple U.S. states.", "source_url": "https://cliffcomortgage.com/about-us/" }, "licensed_states": [ { "state": "FL", "license_type": "Mortgage Lender", "status": "Approved", "active": true, "source_url": "https://flofr.gov/education/public-information/registration-data-download" }, { "state": "TX", "license_type": "Mortgage Banker Registration", "status": "Approved", "active": true, "source_url": "https://www.sml.texas.gov/" } ], "programs": null, "lo_states": [ { "state": "NY", "count": 29 }, { "state": "FL", "count": 18 }, { "state": "NJ", "count": 15 }, { "state": "PA", "count": 11 }, { "state": "TX", "count": 11 }, { "state": "CT", "count": 9 }, { "state": "NC", "count": 5 }, { "state": "CA", "count": 4 }, { "state": "SC", "count": 4 }, { "state": "VA", "count": 4 }, { "state": "AZ", "count": 3 }, { "state": "KY", "count": 3 }, { "state": "MD", "count": 3 }, { "state": "GA", "count": 2 }, { "state": "IN", "count": 2 }, { "state": "OR", "count": 2 }, { "state": "TN", "count": 2 }, { "state": "WA", "count": 2 }, { "state": "AL", "count": 1 }, { "state": "CO", "count": 1 }, { "state": "DC", "count": 1 }, { "state": "DE", "count": 1 }, { "state": "IL", "count": 1 }, { "state": "KS", "count": 1 }, { "state": "LA", "count": 1 }, { "state": "MI", "count": 1 }, { "state": "NM", "count": 1 }, { "state": "OH", "count": 1 } ], "languages": [ { "code": "es", "count": 2 }, { "code": "zh", "count": 2 } ], "lo_count": 32, "verified_at": "2026-10-15" }, "loan_officers": [ { "nmls_id": 1671709, "slug": "kyle-arabian-1671709", "full_name": "Kyle Arabian", "title": "Branch Manager", "branch_city": "Fort Lauderdale", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/kyle-arabian-1671709" }, { "nmls_id": 2560483, "slug": "mitchell-patterson-2560483", "full_name": "Mitchell Patterson", "title": "Loan Officer", "branch_city": "Excelsior", "branch_state": "MN", "canonical_url": "https://lendb.ai/lo/mitchell-patterson-2560483" }, { "nmls_id": 2074055, "slug": "andrea-carver-2074055", "full_name": "Andrea Carver", "title": "Loan Officer", "branch_city": "Newark", "branch_state": "NJ", "canonical_url": "https://lendb.ai/lo/andrea-carver-2074055" }, { "nmls_id": 1173591, "slug": "christian-soto-1173591", "full_name": "Christian Soto", "title": "Loan Officer", "branch_city": "Branchburg", "branch_state": "NJ", "canonical_url": "https://lendb.ai/lo/christian-soto-1173591" }, { "nmls_id": 1227421, "slug": "daphne-feliciano-1227421", "full_name": "Daphne Feliciano", "title": "Branch Manager | Loan Officer", "branch_city": "Newark", "branch_state": "NJ", "canonical_url": "https://lendb.ai/lo/daphne-feliciano-1227421" }, { "nmls_id": 243926, "slug": "edward-morais-243926", "full_name": "Eddie Morais", "title": "Branch Manager | Loan Officer", "branch_city": "Branchburg", "branch_state": "NJ", "canonical_url": "https://lendb.ai/lo/edward-morais-243926" }, { "nmls_id": 339278, "slug": "gary-johansen-339278", "full_name": "Gary Johansen", "title": "Regional Sales Director", "branch_city": "Branchburg", "branch_state": "NJ", "canonical_url": "https://lendb.ai/lo/gary-johansen-339278" }, { "nmls_id": 167538, "slug": "adam-broder-167538", "full_name": "Adam Broder", "title": "Vice President", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/adam-broder-167538" }, { "nmls_id": 2145945, "slug": "anastasios-zervas-2145945", "full_name": "Anastasios Zervas", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/anastasios-zervas-2145945" }, { "nmls_id": 1146282, "slug": "angelique-street-1146282", "full_name": "Angelique Street", "title": "Branch Manager | Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/angelique-street-1146282" }, { "nmls_id": 2825650, "slug": "argyro-fillas-2825650", "full_name": "Argyro (Roula) Fillas", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/argyro-fillas-2825650" }, { "nmls_id": 2144392, "slug": "brandon-kenney-2144392", "full_name": "Brandon Kenney", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/brandon-kenney-2144392" }, { "nmls_id": 1578785, "slug": "daniel-ebbecke-1578785", "full_name": "Daniel Ebbecke", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/daniel-ebbecke-1578785" }, { "nmls_id": 673167, "slug": "david-fallarino-673167", "full_name": "David Fallarino", "title": "Senior Vice President", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/david-fallarino-673167" }, { "nmls_id": 1584179, "slug": "david-illouz-1584179", "full_name": "David Illouz", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/david-illouz-1584179" }, { "nmls_id": 40925, "slug": "david-mizrahi-40925", "full_name": "David Mizrahi", "title": "Vice President of Sales", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/david-mizrahi-40925" }, { "nmls_id": 90881, "slug": "donna-hemberger-90881", "full_name": "Donna Hemberger", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/donna-hemberger-90881" }, { "nmls_id": 1262960, "slug": "emily-cordeira-1262960", "full_name": "Emily Cordeira", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/emily-cordeira-1262960" }, { "nmls_id": 66287, "slug": "emmanuel-estinvil-66287", "full_name": "Emmanuel Estinvil", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/emmanuel-estinvil-66287" }, { "nmls_id": 173714, "slug": "fabian-roman-ortiz-173714", "full_name": "Fabian Roman", "title": "Business Develpment Manager / Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/fabian-roman-ortiz-173714" }, { "nmls_id": 2631382, "slug": "fabrizio-alosa-2631382", "full_name": "Fabrizio Alosa", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/fabrizio-alosa-2631382" }, { "nmls_id": 1367963, "slug": "george-diamantakis-1367963", "full_name": "George Diamantakis", "title": "Sales Manager | Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/george-diamantakis-1367963" }, { "nmls_id": 17991, "slug": "jen-chi-chen-17991", "full_name": "James Chen", "title": "Senior VP of Sales", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/jen-chi-chen-17991" }, { "nmls_id": 56096, "slug": "james-perrone-56096", "full_name": "James Perrone", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/james-perrone-56096" }, { "nmls_id": 1838913, "slug": "johana-amaya-1838913", "full_name": "Johana Amaya", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/johana-amaya-1838913" }, { "nmls_id": 1492298, "slug": "joseph-cordeira-1492298", "full_name": "Joseph Cordeira", "title": "Sales Manager | Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/joseph-cordeira-1492298" }, { "nmls_id": 2380321, "slug": "joshua-borrero-2380321", "full_name": "Joshua Borrero", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/joshua-borrero-2380321" }, { "nmls_id": 2030405, "slug": "joshua-brenner-2030405", "full_name": "Joshua Brenner", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/joshua-brenner-2030405" }, { "nmls_id": 2553712, "slug": "jiacheng-hu-2553712", "full_name": "Justin Hu", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/jiacheng-hu-2553712" }, { "nmls_id": 65780, "slug": "kathleen-adler-65780", "full_name": "Kathie Adler", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/kathleen-adler-65780" }, { "nmls_id": 1959714, "slug": "kevan-scott-1959714", "full_name": "Kevan Scott", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/kevan-scott-1959714" }, { "nmls_id": 1828224, "slug": "larisa-zambelli-1828224", "full_name": "Larisa Zambelli", "title": "Loan Officer", "branch_city": "Bayshore", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/larisa-zambelli-1828224" }, { "nmls_id": 970450, "slug": "lauren-zambelli-970450", "full_name": "Lauren Zambelli", "title": "Loan Officer", "branch_city": "Bayshore", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/lauren-zambelli-970450" }, { "nmls_id": 673181, "slug": "lee-horen-673181", "full_name": "Lee Horen", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/lee-horen-673181" }, { "nmls_id": 1730543, "slug": "lisa-hartman-1730543", "full_name": "Lisa Hartman", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/lisa-hartman-1730543" }, { "nmls_id": 13055, "slug": "lisa-zambelli-martorana-13055", "full_name": "Lisa Zambelli", "title": "Loan Officer", "branch_city": "Bayshore", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/lisa-zambelli-martorana-13055" }, { "nmls_id": 2502088, "slug": "logan-levy-2502088", "full_name": "Logan Levy", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/logan-levy-2502088" }, { "nmls_id": 404303, "slug": "marco-montano-404303", "full_name": "Marco Montano", "title": "VP of Renovation Lending", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/marco-montano-404303" }, { "nmls_id": 1869384, "slug": "mario-argenzio-1869384", "full_name": "Mario Argenzio", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/mario-argenzio-1869384" }, { "nmls_id": 2801284, "slug": "michael-aziz-2801284", "full_name": "Michael Aziz", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/michael-aziz-2801284" }, { "nmls_id": 64809, "slug": "michael-bisbee-64809", "full_name": "Michael Bisbee", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/michael-bisbee-64809" }, { "nmls_id": 949405, "slug": "moses-youssef-949405", "full_name": "Moses Youssef", "title": "Vice President of Sales", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/moses-youssef-949405" }, { "nmls_id": 4388, "slug": "paul-montesano-4388", "full_name": "Paul J Montesano", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/paul-montesano-4388" }, { "nmls_id": 826674, "slug": "queeny-duong-826674", "full_name": "Queeny Duong", "title": "Senior Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/queeny-duong-826674" }, { "nmls_id": 2082989, "slug": "rafael-rojas-2082989", "full_name": "Rafael Rojas", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/rafael-rojas-2082989" }, { "nmls_id": 2559091, "slug": "raymond-garcia-calvo-2559091", "full_name": "Raymond Garcia", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/raymond-garcia-calvo-2559091" }, { "nmls_id": 53967, "slug": "renald-appo-53967", "full_name": "Renald Appo", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/renald-appo-53967" }, { "nmls_id": 1838273, "slug": "richard-alvarez-1838273", "full_name": "Richard Alvarez", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/richard-alvarez-1838273" }, { "nmls_id": 1730872, "slug": "ryan-riddle-1730872", "full_name": "Ryan Riddle", "title": "Vice President", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/ryan-riddle-1730872" }, { "nmls_id": 1209249, "slug": "shahraj-khan-1209249", "full_name": "Shahraj K. Khan", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/shahraj-khan-1209249" }, { "nmls_id": 2636320, "slug": "steve-lazo-2636320", "full_name": "Steve Lazo", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/steve-lazo-2636320" }, { "nmls_id": 1876188, "slug": "steven-rivera-1876188", "full_name": "Steven Rivera", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/steven-rivera-1876188" }, { "nmls_id": 9167, "slug": "thomas-whalen-9167", "full_name": "Thomas Whalen", "title": "Loan Officer", "branch_city": "Uniondale", "branch_state": "NY", "canonical_url": "https://lendb.ai/lo/thomas-whalen-9167" }, { "nmls_id": 65234, "slug": "christopher-clifford-65234", "full_name": "Christopher Clifford", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/christopher-clifford-65234" }, { "nmls_id": 67239, "slug": "frances-ortiz-67239", "full_name": "Frances Ortiz", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/frances-ortiz-67239" }, { "nmls_id": 276978, "slug": "sarah-lane-reyes-276978", "full_name": "Sarah Lane-Reyes", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/sarah-lane-reyes-276978" }, { "nmls_id": 1984434, "slug": "talha-lakhani-1984434", "full_name": "Talha Lakhani", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/talha-lakhani-1984434" } ] }