{
  "canonical_url": "https://lendb.ai/s/condo/new-york",
  "summary": "As of 2026-10-09, LenDb lists 149 loan officers licensed in or based in New York whose lender pages show Condo work. The top-ranked are Susan Lake (CrossCountry Mortgage, Denville), Nicholas Scalici (CrossCountry Mortgage, Staten Island) and Brandon Kelly (JPMorgan Chase Bank (Chase Home Lending), New City). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "condo",
  "state": "NY",
  "total": 149,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 61474,
        "slug": "susan-lake-61474",
        "full_name": "Susan Lake",
        "canonical_url": "https://lendb.ai/lo/susan-lake-61474",
        "json_url": "https://lendb.ai/lo/susan-lake-61474.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Denville",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/susan-lake/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-lake-61474",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/denville-nj-3480/susan-lake/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 1722436,
        "slug": "nicholas-scalici-1722436",
        "full_name": "Nicholas Scalici",
        "canonical_url": "https://lendb.ai/lo/nicholas-scalici-1722436",
        "json_url": "https://lendb.ai/lo/nicholas-scalici-1722436.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Staten Island",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "NY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/staten-island-ny-5329/nicholas-scalici/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Office in Staten Island, NY",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-scalici-1722436",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/staten-island-ny-5329/nicholas-scalici/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 117467,
        "slug": "brandon-kelly-117467",
        "full_name": "Brandon Kelly",
        "canonical_url": "https://lendb.ai/lo/brandon-kelly-117467",
        "json_url": "https://lendb.ai/lo/brandon-kelly-117467.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "New City",
          "state": "NY"
        },
        "licensed_states": [
          "NY"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-city/2-new-hempstead-rd-hla-117467",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Office in New City, NY",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-kelly-117467",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homelendingadvisor.chase.com/ny/new-city/2-new-hempstead-rd-hla-117467"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 20321,
        "slug": "tom-dier-20321",
        "full_name": "Tom Dier",
        "canonical_url": "https://lendb.ai/lo/tom-dier-20321",
        "json_url": "https://lendb.ai/lo/tom-dier-20321.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Syosset",
          "state": "NY"
        },
        "licensed_states": [
          "NY"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/syosset/550-jericho-tpke-hla-20321",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Office in Syosset, NY",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-dier-20321",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homelendingadvisor.chase.com/ny/syosset/550-jericho-tpke-hla-20321"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 56087,
        "slug": "jose-becerra-56087",
        "full_name": "Jose Becerra",
        "canonical_url": "https://lendb.ai/lo/jose-becerra-56087",
        "json_url": "https://lendb.ai/lo/jose-becerra-56087.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Middle Village",
          "state": "NY"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/middle-village/74-07-eliot-ave-hla-56087",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Office in Middle Village, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-becerra-56087",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 63768,
        "slug": "christopher-albanese-63768",
        "full_name": "Christopher Albanese",
        "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768",
        "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Durango",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "CT",
          "IL",
          "MA",
          "NJ",
          "NY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 624075,
        "slug": "jacqueline-plaza-624075",
        "full_name": "Jacqueline Plaza",
        "canonical_url": "https://lendb.ai/lo/jacqueline-plaza-624075",
        "json_url": "https://lendb.ai/lo/jacqueline-plaza-624075.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "New York",
          "state": "NY"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/277-park-ave-hla-624075",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Office in New York, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jacqueline-plaza-624075",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 52,
      "loan_officer": {
        "nmls_id": 28440,
        "slug": "david-toledo-28440",
        "full_name": "David Toledo",
        "canonical_url": "https://lendb.ai/lo/david-toledo-28440",
        "json_url": "https://lendb.ai/lo/david-toledo-28440.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Bronx",
          "state": "NY"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/bronx/2725-e-tremont-ave-hla-28440",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Office in Bronx, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-toledo-28440",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 235881,
        "slug": "nicole-perrone-235881",
        "full_name": "Nicole Perrone",
        "canonical_url": "https://lendb.ai/lo/nicole-perrone-235881",
        "json_url": "https://lendb.ai/lo/nicole-perrone-235881.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Union",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "CA",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
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          "state": "FL"
        },
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      },
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        "Lists Condo on lender page (lender page, verified 2026-10-09)",
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        "Licensed since 2024 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
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          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
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      ],
      "canonical_url": "https://lendb.ai/lo/peter-gostin-581433",
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            "slug": "heloc",
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          },
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/1290-avenue-of-the-americas-hla-602271",
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            "state": "GA",
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            "confidence": "lender_reported"
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            "state": "NJ",
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            "evidence": "lender_page_text"
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        "licensed_since": {
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        "json_url": "https://lendb.ai/lo/scott-nadler-385124.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Brooklyn",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "GA",
          "IL",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/scott-nadler/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
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        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-nadler-385124",
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        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/scott-nadler/"
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      "rank": 20,
      "score": 48,
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        "slug": "paulo-rodriguez-314784",
        "full_name": "Paulo Rodriguez",
        "canonical_url": "https://lendb.ai/lo/paulo-rodriguez-314784",
        "json_url": "https://lendb.ai/lo/paulo-rodriguez-314784.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Miami",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NJ",
          "NY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
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          "pt"
        ],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/miami-fl-8205/paulo-rodriguez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2014 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/paulo-rodriguez-314784",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/miami-fl-8205/paulo-rodriguez/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "condo"
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      "unconfirmed_specialties": []
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      "rank": 21,
      "score": 47.3,
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        "slug": "nicole-habib-659153",
        "full_name": "Nicole Habib",
        "canonical_url": "https://lendb.ai/lo/nicole-habib-659153",
        "json_url": "https://lendb.ai/lo/nicole-habib-659153.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Montvale",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "NY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 11,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 11 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicole-habib-659153",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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      "rank": 22,
      "score": 47.3,
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        "slug": "emilio-sosa-1820552",
        "full_name": "Emilio Sosa",
        "canonical_url": "https://lendb.ai/lo/emilio-sosa-1820552",
        "json_url": "https://lendb.ai/lo/emilio-sosa-1820552.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
        "branch": {
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          "state": "NY"
        },
        "licensed_states": [],
        "licenses": [],
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        "languages": [
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        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/2-park-ave-hla-1820552",
        "disciplinary_check": "not_checked"
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/emilio-sosa-1820552",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
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        "verified_at": "2026-10-09",
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      "score": 47,
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        "slug": "anthony-sellitti-61373",
        "full_name": "Anthony Sellitti",
        "canonical_url": "https://lendb.ai/lo/anthony-sellitti-61373",
        "json_url": "https://lendb.ai/lo/anthony-sellitti-61373.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
        "branch": {
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          "state": "NY"
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        "licensed_states": [
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/islip/556-main-st-hla-61373",
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        "Licensed since 2017 (per Florida records)"
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      "canonical_url": "https://lendb.ai/lo/anthony-sellitti-61373",
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        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
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      "score": 46.5,
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        "slug": "stuart-kolinsky-47703",
        "full_name": "Stuart Kolinsky",
        "canonical_url": "https://lendb.ai/lo/stuart-kolinsky-47703",
        "json_url": "https://lendb.ai/lo/stuart-kolinsky-47703.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "NY"
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        "licenses": [
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/purchase-ny-5606/stuart-kolinsky/",
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      "reasons": [
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      ],
      "canonical_url": "https://lendb.ai/lo/stuart-kolinsky-47703",
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        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/purchase-ny-5606/stuart-kolinsky/"
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      "score": 46.5,
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        "slug": "david-rodriguez-539922",
        "full_name": "David Rodriguez",
        "canonical_url": "https://lendb.ai/lo/david-rodriguez-539922",
        "json_url": "https://lendb.ai/lo/david-rodriguez-539922.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
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        },
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        "licensed_states": [
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          "NJ",
          "NY"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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        "specialties": [
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            "slug": "co-op",
            "evidence": "lender_page_text"
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          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/david-rodriguez/",
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      "reasons": [
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      ],
      "canonical_url": "https://lendb.ai/lo/david-rodriguez-539922",
      "license_check": {
        "state": "NY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/david-rodriguez/"
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      "match_status": "exact",
      "matched_specialties": [
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}