---
canonical_url: https://lendb.ai/lo/steven-rivera-1876188
json_url: https://lendb.ai/lo/steven-rivera-1876188.json
nmls_id: 1876188
last_verified: 2026-10-15
---

# Steven Rivera

Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 1876188 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1876188)).

Based in Uniondale, New York, Steven Rivera (NMLS 1876188) is a Loan Officer at Cliffco, Inc., licensed in Florida since 2020 and in New York. Steven works at an FHA-approved lender, per HUD.

**Summary:** Steven Rivera (NMLS 1876188) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in 2 states confirmed with state regulators: Florida and New York. Also lists North Carolina, New Jersey and Pennsylvania on the lender page (not yet checked with the state regulator). Earliest state license record: October 16, 2020 (Florida), per state regulator. Last verified 2026-10-15.

## Quick answers

### Is Steven licensed in New York?

Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 4 other states on file for Steven. Source: https://www.dfs.ny.gov/.

### What lender does Steven 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/srivera/.

### How long has Steven been licensed?

The earliest state license record LenDb holds for Steven is from October 16, 2020 (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_JR_Monthly.zip.

## At a glance

- Earliest state license record: October 16, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Steven J. Rivera (FL, NY, as of 2026-10-13)
- Licensed in: Florida (FL, confirmed), New York (NY, confirmed), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, 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 | LO75988 | active | confirmed | 2020-10-16 | state_regulator | 2026-10-15 |
| NY | New York regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |
| NC |  | 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 |

## Employment history

- ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/srivera/, 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/1876188

## Contact

- View profile at Cliffco, Inc.: https://cliffcomortgage.com/srivera/
- Office phone and Email on file: shown at https://lendb.ai/lo/steven-rivera-1876188#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1876188
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://cliffcomortgage.com/srivera/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Steven Rivera (NMLS 1876188), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/steven-rivera-1876188, last verified 2026-10-15.

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