{
  "canonical_url": "https://lendb.ai/s/condo-non-warrantable/new-york",
  "summary": "As of 2026-10-20, LenDb lists 2 loan officers licensed in or based in New York whose lender pages show Non-warrantable condo work. The top-ranked are Dan Toomey (United Nations Federal Credit Union, Long Island City) and Dennis Vo (CMG Home Loans, Miami). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "condo-non-warrantable",
  "state": "NY",
  "total": 2,
  "last_verified": "2026-10-20",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 21561,
        "slug": "dan-toomey-21561",
        "full_name": "Dan Toomey",
        "canonical_url": "https://lendb.ai/lo/dan-toomey-21561",
        "json_url": "https://lendb.ai/lo/dan-toomey-21561.json",
        "lender": {
          "nmls_id": 456916,
          "name": "United Nations Federal Credit Union",
          "slug": "united-nations-federal-credit-union-456916",
          "canonical_url": "https://lendb.ai/lender/united-nations-federal-credit-union-456916",
          "type": "credit_union"
        },
        "branch": {
          "city": "Long Island City",
          "state": "NY"
        },
        "headshot_url": "https://www.unfcu.org/globalassets/photos/headshots/photo-mortgage-toomey.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "condo-non-warrantable",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/dan-toomey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-warrantable condo on lender page (lender page, verified 2026-10-16)",
        "Office in Long Island City, NY",
        "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 30 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-toomey-21561",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo-non-warrantable"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 202984,
        "slug": "dennis-vo-202984",
        "full_name": "Dennis Vo",
        "licensed_names": [
          {
            "name": "Dennis Vo",
            "name_with_middle_initial": "Dennis D. Vo",
            "first_name": "Dennis",
            "middle_initial": "D",
            "last_name": "Vo",
            "states": [
              "CO",
              "FL",
              "MD",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/dennis-vo-202984",
        "json_url": "https://lendb.ai/lo/dennis-vo-202984.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Miami",
          "state": "FL"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_6867_Dennis_Vo_1775676365",
        "licensed_states": [
          "FL",
          "CO",
          "NY",
          "MD",
          "IL"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condotel",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo-non-warrantable",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "low-credit",
          "new-construction",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-03-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/Dennis-Vo",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-warrantable condo on lender page (lender page, verified 2026-10-20)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 5, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dennis-vo-202984",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo-non-warrantable"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}