--- canonical_url: https://lendb.ai/lo/stephen-rybak-71438 json_url: https://lendb.ai/lo/stephen-rybak-71438.json nmls_id: 71438 last_verified: 2026-10-15 --- # Stephen Rybak Loan officer at GuardHill Financial LLC. NMLS ID 71438 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/71438)). **Summary:** 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 2026-10-15. ## At a glance - Earliest state license record: January 26, 2011 (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), Texas (TX, confirmed), New York (NY, confirmed), Louisiana (LA, confirmed), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, lender_reported), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported), Rhode Island (RI, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Vermont (VT, lender_reported), Washington (WA, 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) - **Construction loan** (`construction`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://guardhill.com/loan_officers/stephen-rybak/ ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 20+. Source: https://guardhill.com/loan_officers/stephen-rybak/, verified 2026-10-15. - other: joined GuardHill in 2004. Source: https://guardhill.com/loan_officers/stephen-rybak/, verified 2026-10-15. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO1877 | active | confirmed | 2011-01-26 | state_regulator | 2026-10-15 | | TX | state_license | n/a | active | confirmed | 2011-05-18 | state_regulator | 2026-10-13 | | NY | state_license | n/a | active | confirmed | | state_regulator | 2026-10-14 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | 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/stephen-rybak/, 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/71438 ## Contact - View profile at GuardHill Financial LLC: https://guardhill.com/loan_officers/stephen-rybak/ ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/71438 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - lender_site: https://guardhill.com/loan_officers/stephen-rybak/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Stephen Rybak (NMLS 71438), GuardHill Financial LLC. LenDb.ai, https://lendb.ai/lo/stephen-rybak-71438, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._