Stephen Rybak
NMLS ID 71438 (opens in a new tab) · verify at NMLS Consumer Access
Stephen Rybak (NMLS 71438) is a loan officer at GuardHill Financial LLC. Licensed in 4 states confirmed with state regulators: Florida, Texas, New York and Louisiana. Also lists California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Massachusetts, Maryland and 9 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan. Earliest state license record: January 26, 2011 (Florida), per state regulator.
Last verified . Sources: GuardHill Financial LLC (guardhill.com), Florida state regulator, Texas state regulator, New York state regulator, Louisiana state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 26, 2011 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 21 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
Where we saw these: guardhill.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, New York, Louisiana, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Massachusetts, Maryland, Maine, New Hampshire, New Jersey, Pennsylvania, Rhode Island, Tennessee, Virginia, Vermont, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO1877, first effective 2011-01-26), TX (opens in a new tab), NY (opens in a new tab), LA (opens in a new tab), verified 2026-10-15.
Lender-reported: CA, CO, CT, DC, GA, IL, MA, MD, ME, NH, NJ, PA, RI, TN, VA, VT, WA are listed on the lender page, not yet checked with the state regulator.
Contact
No public business contact on file.
We never see who you contact.
Employment history
GuardHill Financial LLC NMLS 1609
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Stephen Rybak has specialized in residential mortgage financing for 20+ years and has been with GuardHill since 2004. Their page says they have focused on complex financing such as trusts, LLCs and construction loans. They are licensed in 20 states and DC.
Our summary of the lender page. Verified 2026-10-15.
Sources
| Name and employer | state regulator · guardhill.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · ofi.la.gov (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · guardhill.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · guardhill.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · guardhill.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · guardhill.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Stephen Rybak (NMLS 71438), GuardHill Financial LLC. LenDb.ai, https://lendb.ai/lo/stephen-rybak-71438, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.