---
canonical_url: https://lendb.ai/lo/melissa-young-1887812
json_url: https://lendb.ai/lo/melissa-young-1887812.json
nmls_id: 1887812
last_verified: 2026-10-15
---

# Melissa Louie Young

Loan officer at GuardHill Financial LLC. NMLS ID 1887812 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1887812)).

**Summary:** Melissa Louie Young (NMLS 1887812) is a loan officer at GuardHill Financial LLC. Licensed in 2 states confirmed with state regulators: New York and Connecticut. Also lists New Jersey on the lender page (not yet checked with the state regulator). Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: 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 Feb 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: over 12. Source: https://guardhill.com/loan_officers/melissa-louie-young/, verified 2026-10-15.
- credential: awards for client experience, productivity, collaboration, realtor development and colleague care. Source: https://guardhill.com/loan_officers/melissa-louie-young/, verified 2026-10-15.
- other: almost half a billion in mortgage sales closed. Source: https://guardhill.com/loan_officers/melissa-louie-young/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NY | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |
| CT | state_license | LO-1887812 | 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: GuardHill Financial LLC (NMLS 1609). Source: https://guardhill.com/loan_officers/melissa-louie-young/, 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/1887812

## Contact

- View profile at GuardHill Financial LLC: https://guardhill.com/loan_officers/melissa-louie-young/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1887812
- 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://guardhill.com/loan_officers/melissa-louie-young/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Melissa Louie Young (NMLS 1887812), GuardHill Financial LLC. LenDb.ai, https://lendb.ai/lo/melissa-young-1887812, last verified 2026-10-15.

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