--- canonical_url: https://lendb.ai/lo/lee-horen-673181 json_url: https://lendb.ai/lo/lee-horen-673181.json nmls_id: 673181 last_verified: 2026-10-15 --- # Lee Horen Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 673181 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/673181)). Lee Horen, NMLS 673181, works as a Loan Officer at Cliffco, Inc. in Uniondale, New York and is licensed in Florida since 2024 and in New York and Connecticut. Lee's lender page shows a focus on jumbo loan and self-employed, and Lee works at an FHA-approved lender, per HUD. **Summary:** Lee Horen (NMLS 673181) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in 3 states confirmed with state regulators: Florida, New York and Connecticut. Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan and Self-employed. Earliest state license record: May 1, 2024 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-15. ## Quick answers ### Is Lee licensed in New York? Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 3 other states on file for Lee. Source: https://www.dfs.ny.gov/. ### Does Lee do jumbo loans? Lee's profile lists jumbo loan as a focus (from their lender profile page). It also lists self-employed. Source: https://cliffcomortgage.com/lhoren/. ### What lender does Lee work for, and is it FHA-approved? Cliffco, Inc., company NMLS 65328, from the Uniondale, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://cliffcomortgage.com/lhoren/. ### How long has Lee been licensed? The earliest state license record LenDb holds for Lee is from May 1, 2024 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Lee states 25 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: May 1, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 25 (source: https://cliffcomortgage.com/lhoren/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Lee M. Horen (CT, FL, NY, as of 2026-10-13) - Licensed in: Florida (FL, confirmed), New York (NY, confirmed), Connecticut (CT, confirmed), New Jersey (NJ, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.90, verified 2026-10-21. Source: https://cliffcomortgage.com/lhoren/ - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.85, verified 2026-10-21. Source: https://cliffcomortgage.com/lhoren/ ## Facts from the lender page and intro - years_experience: 25. Source: https://cliffcomortgage.com/lhoren/, verified 2026-10-15. - service_area: New York City, Long Island, Westchester, Northern New Jersey, Florida. Source: https://cliffcomortgage.com/lhoren/, verified 2026-10-15. - other: Nearly 70% of clients are entrepreneurs, business owners, or professionals with unique income structures. Source: https://cliffcomortgage.com/lhoren/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO128263 | active | confirmed | 2024-05-01 | state_regulator | 2026-10-15 | | NY | New York regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-14 | | CT | Connecticut regulator | state_license | LO-673181 | active | confirmed | | state_regulator | 2026-10-15 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/lhoren/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/673181 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/lhoren/ - Office phone and Email on file: shown at https://lendb.ai/lo/lee-horen-673181#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/673181 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.dfs.ny.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - lender_site: https://cliffcomortgage.com/lhoren/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Lee Horen (NMLS 673181), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/lee-horen-673181, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._