---
canonical_url: https://lendb.ai/lo/steve-lazo-2636320
json_url: https://lendb.ai/lo/steve-lazo-2636320.json
nmls_id: 2636320
last_verified: 2026-10-15
---

# Steve Lazo

Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 2636320 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2636320)).

Based in Uniondale, New York, Steve Lazo (NMLS 2636320) is a Loan Officer at Cliffco, Inc., licensed in New York. Steve's focus, from their own profile, includes first-time buyer, and Steve works at an FHA-approved lender, per HUD.

**Summary:** Steve Lazo (NMLS 2636320) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in New York, confirmed with the state regulator. Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-15.

## Quick answers

### Is Steve licensed in New York?

Yes. New York regulator records list a license as active (verified 2026-10-14). Source: https://www.dfs.ny.gov/.

### Does Steve list first-time buyer as a focus?

Steve's profile lists first-time buyer as a focus (from their bio). Source: https://cliffcomortgage.com/slazo/.

### What lender does Steve 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/slazo/.

## 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)
- 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)

- **First-time buyer** (`first-time-buyer`): from their bio (lender page), confidence 0.85, verified 2026-10-21. Source: https://cliffcomortgage.com/slazo/

## Facts from the lender page and intro

- other: licensed real estate agent. Source: https://cliffcomortgage.com/slazo/, verified 2026-10-15.
- service_area: Uniondale, Hempstead, Long Island, and across New York. Source: https://cliffcomortgage.com/slazo/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| NY | New York regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/slazo/, 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/2636320

## Contact

- View profile at Cliffco, Inc.: https://cliffcomortgage.com/slazo/
- Office phone and Email on file: shown at https://lendb.ai/lo/steve-lazo-2636320#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2636320
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://cliffcomortgage.com/slazo/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Steve Lazo (NMLS 2636320), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/steve-lazo-2636320, last verified 2026-10-15.

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