---
canonical_url: https://lendb.ai/lo/renald-appo-53967
json_url: https://lendb.ai/lo/renald-appo-53967.json
nmls_id: 53967
last_verified: 2026-10-15
---

# Renald Appo

Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 53967 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/53967)).

Renald Appo (NMLS 53967) is a Loan Officer at Cliffco, Inc. in Uniondale, New York, licensed in Florida since 2026. Renald works at an FHA-approved lender, per HUD.

**Summary:** Renald Appo (NMLS 53967) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in Florida, confirmed with the state regulator (license LO144679). Also lists New York on the lender page (not yet checked with the state regulator). Earliest state license record: February 3, 2026 (Florida), per state regulator. Last verified 2026-10-15.

## Quick answers

### Is Renald licensed in New York?

Cliffco, Inc.'s page for Renald lists New York. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 1 other state on file for Renald. Source: https://cliffcomortgage.com/rappo/.

### What lender does Renald 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/rappo/.

### How long has Renald been licensed?

The earliest state license record LenDb holds for Renald is from February 3, 2026 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: February 3, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), New York (NY, 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)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO144679 | active | confirmed | 2026-02-03 | state_regulator | 2026-10-15 |
| NY |  | 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/rappo/, 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/53967

## Contact

- View profile at Cliffco, Inc.: https://cliffcomortgage.com/rappo/
- Office phone and Email on file: shown at https://lendb.ai/lo/renald-appo-53967#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/53967
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://cliffcomortgage.com/rappo/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Renald Appo (NMLS 53967), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/renald-appo-53967, last verified 2026-10-15.

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