---
canonical_url: https://lendb.ai/lender/cliffco-inc-65328
last_verified: 2026-10-13
---

# Cliffco, Inc.

Company NMLS ID 65328 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/65328)).

FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

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.

## About

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: [the lender's own page](https://cliffcomortgage.com/about-us/).

## State licenses (regulator records)

LenDb has company license records from these state regulators. A state not listed is not known either way.

- Florida (Mortgage Lender, Approved): [source](https://flofr.gov/education/public-information/registration-data-download)
- Texas (Mortgage Banker Registration, Approved): [source](https://www.sml.texas.gov/)

## Loan officers by licensed state

- New York: 29
- Florida: 18
- New Jersey: 15
- Pennsylvania: 11
- Texas: 11
- Connecticut: 9
- North Carolina: 5
- California: 4
- South Carolina: 4
- Virginia: 4
- Arizona: 3
- Kentucky: 3
- Maryland: 3
- Georgia: 2
- Indiana: 2
- Oregon: 2
- Tennessee: 2
- Washington: 2
- Alabama: 1
- Colorado: 1
- District of Columbia: 1
- Delaware: 1
- Illinois: 1
- Kansas: 1
- Louisiana: 1
- Michigan: 1
- New Mexico: 1
- Ohio: 1

## Languages its loan officers list

- Spanish (2)
- Chinese (2)

## Lending activity (HMDA)

Funded 1,184 home loans in 2025 (HMDA), 977 conventional.

- By loan type: 977 conventional, 182 FHA, 25 VA.
- By purpose: 970 purchase, 214 refinance.
- 40 jumbo (above the conforming loan limit); 232 for investment properties.
- Up 1% from 2024 (1,170 loans).
- About $652.6 million in loan amounts (HMDA reports amounts in $10,000 bands).

Source: [HMDA, FFIEC/CFPB, 2025](https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025). 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 officers

- [Kyle Arabian](https://lendb.ai/lo/kyle-arabian-1671709) (NMLS 1671709), Branch Manager, Fort Lauderdale, FL
- [Mitchell Patterson](https://lendb.ai/lo/mitchell-patterson-2560483) (NMLS 2560483), Loan Officer, Excelsior, MN
- [Andrea Carver](https://lendb.ai/lo/andrea-carver-2074055) (NMLS 2074055), Loan Officer, Newark, NJ
- [Christian Soto](https://lendb.ai/lo/christian-soto-1173591) (NMLS 1173591), Loan Officer, Branchburg, NJ
- [Daphne Feliciano](https://lendb.ai/lo/daphne-feliciano-1227421) (NMLS 1227421), Branch Manager | Loan Officer, Newark, NJ
- [Eddie Morais](https://lendb.ai/lo/edward-morais-243926) (NMLS 243926), Branch Manager | Loan Officer, Branchburg, NJ
- [Gary Johansen](https://lendb.ai/lo/gary-johansen-339278) (NMLS 339278), Regional Sales Director, Branchburg, NJ
- [Adam Broder](https://lendb.ai/lo/adam-broder-167538) (NMLS 167538), Vice President, Uniondale, NY
- [Anastasios Zervas](https://lendb.ai/lo/anastasios-zervas-2145945) (NMLS 2145945), Loan Officer, Uniondale, NY
- [Angelique Street](https://lendb.ai/lo/angelique-street-1146282) (NMLS 1146282), Branch Manager | Loan Officer, Uniondale, NY
- [Argyro (Roula) Fillas](https://lendb.ai/lo/argyro-fillas-2825650) (NMLS 2825650), Loan Officer, Uniondale, NY
- [Brandon Kenney](https://lendb.ai/lo/brandon-kenney-2144392) (NMLS 2144392), Loan Officer, Uniondale, NY
- [Daniel Ebbecke](https://lendb.ai/lo/daniel-ebbecke-1578785) (NMLS 1578785), Loan Officer, Uniondale, NY
- [David Fallarino](https://lendb.ai/lo/david-fallarino-673167) (NMLS 673167), Senior Vice President, Uniondale, NY
- [David Illouz](https://lendb.ai/lo/david-illouz-1584179) (NMLS 1584179), Loan Officer, Uniondale, NY
- [David Mizrahi](https://lendb.ai/lo/david-mizrahi-40925) (NMLS 40925), Vice President of Sales, Uniondale, NY
- [Donna Hemberger](https://lendb.ai/lo/donna-hemberger-90881) (NMLS 90881), Loan Officer, Uniondale, NY
- [Emily Cordeira](https://lendb.ai/lo/emily-cordeira-1262960) (NMLS 1262960), Loan Officer, Uniondale, NY
- [Emmanuel Estinvil](https://lendb.ai/lo/emmanuel-estinvil-66287) (NMLS 66287), Loan Officer, Uniondale, NY
- [Fabian Roman](https://lendb.ai/lo/fabian-roman-ortiz-173714) (NMLS 173714), Business Develpment Manager / Loan Officer, Uniondale, NY
- [Fabrizio Alosa](https://lendb.ai/lo/fabrizio-alosa-2631382) (NMLS 2631382), Loan Officer, Uniondale, NY
- [George Diamantakis](https://lendb.ai/lo/george-diamantakis-1367963) (NMLS 1367963), Sales Manager | Loan Officer, Uniondale, NY
- [James Chen](https://lendb.ai/lo/jen-chi-chen-17991) (NMLS 17991), Senior VP of Sales, Uniondale, NY
- [James Perrone](https://lendb.ai/lo/james-perrone-56096) (NMLS 56096), Loan Officer, Uniondale, NY
- [Johana Amaya](https://lendb.ai/lo/johana-amaya-1838913) (NMLS 1838913), Loan Officer, Uniondale, NY
- [Joseph Cordeira](https://lendb.ai/lo/joseph-cordeira-1492298) (NMLS 1492298), Sales Manager | Loan Officer, Uniondale, NY
- [Joshua Borrero](https://lendb.ai/lo/joshua-borrero-2380321) (NMLS 2380321), Loan Officer, Uniondale, NY
- [Joshua Brenner](https://lendb.ai/lo/joshua-brenner-2030405) (NMLS 2030405), Loan Officer, Uniondale, NY
- [Justin Hu](https://lendb.ai/lo/jiacheng-hu-2553712) (NMLS 2553712), Loan Officer, Uniondale, NY
- [Kathie Adler](https://lendb.ai/lo/kathleen-adler-65780) (NMLS 65780), Loan Officer, Uniondale, NY
- [Kevan Scott](https://lendb.ai/lo/kevan-scott-1959714) (NMLS 1959714), Loan Officer, Uniondale, NY
- [Larisa Zambelli](https://lendb.ai/lo/larisa-zambelli-1828224) (NMLS 1828224), Loan Officer, Bayshore, NY
- [Lauren Zambelli](https://lendb.ai/lo/lauren-zambelli-970450) (NMLS 970450), Loan Officer, Bayshore, NY
- [Lee Horen](https://lendb.ai/lo/lee-horen-673181) (NMLS 673181), Loan Officer, Uniondale, NY
- [Lisa Hartman](https://lendb.ai/lo/lisa-hartman-1730543) (NMLS 1730543), Loan Officer, Uniondale, NY
- [Lisa Zambelli](https://lendb.ai/lo/lisa-zambelli-martorana-13055) (NMLS 13055), Loan Officer, Bayshore, NY
- [Logan Levy](https://lendb.ai/lo/logan-levy-2502088) (NMLS 2502088), Loan Officer, Uniondale, NY
- [Marco Montano](https://lendb.ai/lo/marco-montano-404303) (NMLS 404303), VP of Renovation Lending, Uniondale, NY
- [Mario Argenzio](https://lendb.ai/lo/mario-argenzio-1869384) (NMLS 1869384), Loan Officer, Uniondale, NY
- [Michael Aziz](https://lendb.ai/lo/michael-aziz-2801284) (NMLS 2801284), Loan Officer, Uniondale, NY
- [Michael Bisbee](https://lendb.ai/lo/michael-bisbee-64809) (NMLS 64809), Loan Officer, Uniondale, NY
- [Moses Youssef](https://lendb.ai/lo/moses-youssef-949405) (NMLS 949405), Vice President of Sales, Uniondale, NY
- [Paul J Montesano](https://lendb.ai/lo/paul-montesano-4388) (NMLS 4388), Loan Officer, Uniondale, NY
- [Queeny Duong](https://lendb.ai/lo/queeny-duong-826674) (NMLS 826674), Senior Loan Officer, Uniondale, NY
- [Rafael Rojas](https://lendb.ai/lo/rafael-rojas-2082989) (NMLS 2082989), Loan Officer, Uniondale, NY
- [Raymond Garcia](https://lendb.ai/lo/raymond-garcia-calvo-2559091) (NMLS 2559091), Loan Officer, Uniondale, NY
- [Renald Appo](https://lendb.ai/lo/renald-appo-53967) (NMLS 53967), Loan Officer, Uniondale, NY
- [Richard Alvarez](https://lendb.ai/lo/richard-alvarez-1838273) (NMLS 1838273), Loan Officer, Uniondale, NY
- [Ryan Riddle](https://lendb.ai/lo/ryan-riddle-1730872) (NMLS 1730872), Vice President, Uniondale, NY
- [Shahraj K. Khan](https://lendb.ai/lo/shahraj-khan-1209249) (NMLS 1209249), Loan Officer, Uniondale, NY
- [Steve Lazo](https://lendb.ai/lo/steve-lazo-2636320) (NMLS 2636320), Loan Officer, Uniondale, NY
- [Steven Rivera](https://lendb.ai/lo/steven-rivera-1876188) (NMLS 1876188), Loan Officer, Uniondale, NY
- [Thomas Whalen](https://lendb.ai/lo/thomas-whalen-9167) (NMLS 9167), Loan Officer, Uniondale, NY
- [Christopher Clifford](https://lendb.ai/lo/christopher-clifford-65234) (NMLS 65234)
- [Frances Ortiz](https://lendb.ai/lo/frances-ortiz-67239) (NMLS 67239)
- [Sarah Lane-Reyes](https://lendb.ai/lo/sarah-lane-reyes-276978) (NMLS 276978)
- [Talha Lakhani](https://lendb.ai/lo/talha-lakhani-1984434) (NMLS 1984434)

Cite as: LenDb.ai, https://lendb.ai/lender/cliffco-inc-65328.

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