{ "canonical_url": "https://lendb.ai/s/fha/new-york", "summary": "As of 2026-10-09, LenDb lists 209 loan officers licensed in or based in New York whose lender pages show FHA loan work. The top-ranked are Eric Vaughn (CrossCountry Mortgage, Williamsville), Justin Schiatta (CrossCountry Mortgage, Melville) and Barry Koven (CrossCountry Mortgage, Brooklyn). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "fha", "state": "NY", "total": 209, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 88577, "slug": "eric-vaughn-88577", "full_name": "Eric Vaughn", "canonical_url": "https://lendb.ai/lo/eric-vaughn-88577", "json_url": "https://lendb.ai/lo/eric-vaughn-88577.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Williamsville", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/williamsville-ny-5645/eric-vaughn/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Williamsville, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eric-vaughn-88577", "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/williamsville-ny-5645/eric-vaughn/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 115343, "slug": "justin-schiatta-115343", "full_name": "Justin Schiatta", "canonical_url": "https://lendb.ai/lo/justin-schiatta-115343", "json_url": "https://lendb.ai/lo/justin-schiatta-115343.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Melville", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/melville-ny-3105/justin-schiatta/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Melville, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/justin-schiatta-115343", "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/melville-ny-3105/justin-schiatta/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 61.8, "loan_officer": { "nmls_id": 404510, "slug": "barry-koven-404510", "full_name": "Barry Koven", "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "json_url": "https://lendb.ai/lo/barry-koven-404510.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", "CT", "NJ", "NY", "PA", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Brooklyn, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "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/brooklyn-ny-5601/barry-koven/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 60, "loan_officer": { "nmls_id": 441861, "slug": "john-astrologo-441861", "full_name": "John Astrologo", "canonical_url": "https://lendb.ai/lo/john-astrologo-441861", "json_url": "https://lendb.ai/lo/john-astrologo-441861.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Plains", "state": "NY" }, "licensed_states": [ "FL", "CT", "IN", "MA", "MN", "NC", "NJ", "NY", "PA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 16, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in White Plains, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-astrologo-441861", "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/white-plains-ny-5808/john-astrologo/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 59.8, "loan_officer": { "nmls_id": 86512, "slug": "douglas-reese-86512", "full_name": "Scott Reese", "canonical_url": "https://lendb.ai/lo/douglas-reese-86512", "json_url": "https://lendb.ai/lo/douglas-reese-86512.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IN", "KS", "MN", "MT", "NV", "NY", "OH", "OR", "TN", "TX", "WA", "WI", "WV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2146/douglas-reese/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/douglas-reese-86512", "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/cleveland-oh-2146/douglas-reese/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 55.3, "loan_officer": { "nmls_id": 7577, "slug": "jason-stallworth-7577", "full_name": "Jason Stallworth", "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "licensed_states": [ "FL", "PA", "AL", "GA", "NY", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Amityville, 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/jason-stallworth-7577", "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://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 53, "loan_officer": { "nmls_id": 2253012, "slug": "judelka-diaz-2253012", "full_name": "Judelka Diaz", "canonical_url": "https://lendb.ai/lo/judelka-diaz-2253012", "json_url": "https://lendb.ai/lo/judelka-diaz-2253012.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "licensed_states": [ "PA", "CT", "NJ", "NY", "TX" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/judelka-diaz", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Amityville, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/judelka-diaz-2253012", "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://www.embracehomeloans.com/location/new-york/amityville/judelka-diaz" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 49.8, "loan_officer": { "nmls_id": 138370, "slug": "walter-gorman-138370", "full_name": "Walter Gorman", "canonical_url": "https://lendb.ai/lo/walter-gorman-138370", "json_url": "https://lendb.ai/lo/walter-gorman-138370.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Rutherford", "state": "NJ" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA", "VA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/rutherford-nj-3193/walter-gorman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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 2026 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/walter-gorman-138370", "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/rutherford-nj-3193/walter-gorman/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 46.8, "loan_officer": { "nmls_id": 1466855, "slug": "michael-colella-1466855", "full_name": "Michael Colella", "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "json_url": "https://lendb.ai/lo/michael-colella-1466855.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Basking Ridge", "state": "NJ" }, "licensed_states": [ "FL", "MD", "NJ", "NY", "PA", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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 2026 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "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://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 44, "loan_officer": { "nmls_id": 52383, "slug": "lisa-romano-52383", "full_name": "Lisa Romano", "canonical_url": "https://lendb.ai/lo/lisa-romano-52383", "json_url": "https://lendb.ai/lo/lisa-romano-52383.json", "lender": { "nmls_id": 3232, "name": "Homestead Funding", "canonical_url": "https://lendb.ai/lender/homestead-funding-3232", "type": "imb" }, "branch": { "city": "Albany", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/lisa-romano", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Albany, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/lisa-romano-52383", "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://www.homesteadfunding.com/loan-originators/lisa-romano" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 42.4, "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 FHA loan 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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 38.8, "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 FHA loan 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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 38.6, "loan_officer": { "nmls_id": 2230547, "slug": "javier-kato-cma-2230547", "full_name": "Javier Kato, CMA", "canonical_url": "https://lendb.ai/lo/javier-kato-cma-2230547", "json_url": "https://lendb.ai/lo/javier-kato-cma-2230547.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": [ "NJ", "NY" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Brooklyn, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/javier-kato-cma-2230547", "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/brooklyn-ny-3871/javier-kato/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 38.4, "loan_officer": { "nmls_id": 460183, "slug": "scott-finger-460183", "full_name": "Scott Finger", "canonical_url": "https://lendb.ai/lo/scott-finger-460183", "json_url": "https://lendb.ai/lo/scott-finger-460183.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Plains", "state": "NY" }, "licensed_states": [ "FL", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/scott-finger/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in White Plains, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/scott-finger-460183", "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/white-plains-ny-5808/scott-finger/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 36.7, "loan_officer": { "nmls_id": 1195045, "slug": "patrick-mcauliffe-1195045", "full_name": "Patrick McAuliffe", "canonical_url": "https://lendb.ai/lo/patrick-mcauliffe-1195045", "json_url": "https://lendb.ai/lo/patrick-mcauliffe-1195045.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": "fha", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/615-eighth-ave-hla-1195045", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/patrick-mcauliffe-1195045", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 36.5, "loan_officer": { "nmls_id": 1820552, "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", "type": "bank" }, "branch": { "city": "New York", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "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" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "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" }, "reasons": [ "Lists FHA loan 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 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, "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 36.2, "loan_officer": { "nmls_id": 64537, "slug": "andrew-rubino-64537", "full_name": "Andrew Rubino", "canonical_url": "https://lendb.ai/lo/andrew-rubino-64537", "json_url": "https://lendb.ai/lo/andrew-rubino-64537.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Schenectady", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "va", "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": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/schenectady/416-balltown-rd-hla-64537", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Schenectady, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/andrew-rubino-64537", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 35.5, "loan_officer": { "nmls_id": 1739610, "slug": "marcel-f-alcala-1739610", "full_name": "Marcel F Alcala", "canonical_url": "https://lendb.ai/lo/marcel-f-alcala-1739610", "json_url": "https://lendb.ai/lo/marcel-f-alcala-1739610.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": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 7, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/659-w-181st-st-hla-1739610", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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 7 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/marcel-f-alcala-1739610", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 35.4, "loan_officer": { "nmls_id": 62262, "slug": "veronica-finkel-62262", "full_name": "Veronica Finkel", "canonical_url": "https://lendb.ai/lo/veronica-finkel-62262", "json_url": "https://lendb.ai/lo/veronica-finkel-62262.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Thornwood", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [ "pt" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/thornwood/608-columbus-ave-hla-62262", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Thornwood, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/veronica-finkel-62262", "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/thornwood/608-columbus-ave-hla-62262" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 35.2, "loan_officer": { "nmls_id": 910752, "slug": "david-roberts-910752", "full_name": "David Roberts", "canonical_url": "https://lendb.ai/lo/david-roberts-910752", "json_url": "https://lendb.ai/lo/david-roberts-910752.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": "va", "evidence": "lender_page_text" }, { "slug": "fha", "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": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/214-broadway-hla-910752", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/david-roberts-910752", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 35, "loan_officer": { "nmls_id": 2011833, "slug": "laura-arias-2011833", "full_name": "Laura Arias", "canonical_url": "https://lendb.ai/lo/laura-arias-2011833", "json_url": "https://lendb.ai/lo/laura-arias-2011833.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": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "va", "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": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/201-e-79th-st-hla-2011833", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/laura-arias-2011833", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 34, "loan_officer": { "nmls_id": 66758, "slug": "kenneth-bicknese-66758", "full_name": "Kenneth Bicknese", "canonical_url": "https://lendb.ai/lo/kenneth-bicknese-66758", "json_url": "https://lendb.ai/lo/kenneth-bicknese-66758.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Yorktown Heights", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/yorktown-heights/720-lee-blvd-hla-66758", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Yorktown Heights, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kenneth-bicknese-66758", "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/yorktown-heights/720-lee-blvd-hla-66758" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 33.7, "loan_officer": { "nmls_id": 409919, "slug": "lorna-gusmano-409919", "full_name": "Lorna Gusmano", "canonical_url": "https://lendb.ai/lo/lorna-gusmano-409919", "json_url": "https://lendb.ai/lo/lorna-gusmano-409919.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Bellmore", "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": "va", "evidence": "lender_page_text" }, { "slug": "fha", "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": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/bellmore/2631-merrick-rd-hla-409919", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Bellmore, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/lorna-gusmano-409919", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 33.2, "loan_officer": { "nmls_id": 598021, "slug": "karolina-wiatrowska-598021", "full_name": "Karolina Wiatrowska", "canonical_url": "https://lendb.ai/lo/karolina-wiatrowska-598021", "json_url": "https://lendb.ai/lo/karolina-wiatrowska-598021.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": [ "pl" ], "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": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/1495-york-ave-hla-598021", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan 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" ], "canonical_url": "https://lendb.ai/lo/karolina-wiatrowska-598021", "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": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 33.2, "loan_officer": { "nmls_id": 602253, "slug": "yuriy-belkovskyy-602253", "full_name": "Yuriy Belkovskyy", "canonical_url": "https://lendb.ai/lo/yuriy-belkovskyy-602253", "json_url": "https://lendb.ai/lo/yuriy-belkovskyy-602253.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "ru" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/177-montague-st-hla-602253", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Brooklyn, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/yuriy-belkovskyy-602253", "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": [ "fha" ], "unconfirmed_specialties": [] } ] }