{
  "canonical_url": "https://lendb.ai/s/foreign-national/new-york",
  "summary": "As of 2026-10-26, LenDb lists 7 loan officers licensed in or based in New York whose lender pages show Foreign national work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Darren Stuart (GuardHill Financial LLC) and Joe Kahn (United Nations Federal Credit Union, Long Island City). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "foreign-national",
  "state": "NY",
  "total": 7,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 58,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "licensed_names": [
          {
            "name": "Eric Rosemary",
            "name_with_middle_initial": "Eric L. Rosemary",
            "first_name": "Eric",
            "middle_initial": "L",
            "last_name": "Rosemary",
            "states": [
              "CA",
              "CT",
              "FL",
              "NY",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "headshot_url": "https://thevault.ccm.com/asset/7d841326-a731-4b9b-b2ac-700c1a22a547/Website/3701_Rosemary_301253.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "NY",
          "PA",
          "TX",
          "AL",
          "CA",
          "GA",
          "KY",
          "NC",
          "NJ",
          "OH",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-04-20",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-22)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: April 20, 2011 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
      "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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 463667,
        "slug": "darren-shlisky-463667",
        "full_name": "Darren Stuart",
        "canonical_url": "https://lendb.ai/lo/darren-shlisky-463667",
        "json_url": "https://lendb.ai/lo/darren-shlisky-463667.json",
        "lender": {
          "nmls_id": 1609,
          "name": "GuardHill Financial LLC",
          "slug": "guardhill-financial-llc-1609",
          "canonical_url": "https://lendb.ai/lender/guardhill-financial-llc-1609",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "NY",
          "CT",
          "NJ"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-02"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-04-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 18,
        "lender_profile_url": "https://guardhill.com/loan_officers/darren-stuart/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-26)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: April 26, 2021 (Florida), per state regulator",
        "States 18 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/darren-shlisky-463667",
      "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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 181898,
        "slug": "joe-kahn-181898",
        "full_name": "Joe Kahn",
        "canonical_url": "https://lendb.ai/lo/joe-kahn-181898",
        "json_url": "https://lendb.ai/lo/joe-kahn-181898.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-kahn.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/joe-kahn/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-26)",
        "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 17 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-kahn-181898",
      "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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 153894,
        "slug": "maryla-ciechanowicz-153894",
        "full_name": "Maryla Ciechanowicz",
        "licensed_names": [
          {
            "name": "Maryla Ciechanowicz",
            "name_with_middle_initial": "Maryla I. Ciechanowicz",
            "first_name": "Maryla",
            "middle_initial": "I",
            "last_name": "Ciechanowicz",
            "states": [
              "CT",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/maryla-ciechanowicz-153894",
        "json_url": "https://lendb.ai/lo/maryla-ciechanowicz-153894.json",
        "lender": {
          "nmls_id": 1609,
          "name": "GuardHill Financial LLC",
          "slug": "guardhill-financial-llc-1609",
          "canonical_url": "https://lendb.ai/lender/guardhill-financial-llc-1609",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://guardhill.com/wp-content/uploads/2020/10/MarylaCOLOR.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "NY",
          "CT",
          "NJ"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-02"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-01-13",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://guardhill.com/loan_officers/maryla-ciechanowicz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-26)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: January 13, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/maryla-ciechanowicz-153894",
      "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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 1271429,
        "slug": "wenying-huang-1271429",
        "full_name": "Wendy Huang",
        "canonical_url": "https://lendb.ai/lo/wenying-huang-1271429",
        "json_url": "https://lendb.ai/lo/wenying-huang-1271429.json",
        "lender": {
          "nmls_id": 1609,
          "name": "GuardHill Financial LLC",
          "slug": "guardhill-financial-llc-1609",
          "canonical_url": "https://lendb.ai/lender/guardhill-financial-llc-1609",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://guardhill.com/wp-content/uploads/2020/10/WendyCOLOR.jpg",
        "licensed_states": [
          "FL",
          "NY",
          "CT",
          "CA",
          "MA",
          "NJ"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-02"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-09-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://guardhill.com/loan_officers/wendy-huang/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-26)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: September 21, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/wenying-huang-1271429",
      "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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "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 Foreign national 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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 46.5,
      "loan_officer": {
        "nmls_id": 2076564,
        "slug": "belal-khalid-2076564",
        "full_name": "Belal Khalid",
        "canonical_url": "https://lendb.ai/lo/belal-khalid-2076564",
        "json_url": "https://lendb.ai/lo/belal-khalid-2076564.json",
        "lender": {
          "nmls_id": 1598647,
          "name": "Guaranteed Rate Affinity, LLC",
          "slug": "guaranteed-rate-affinity-llc-1598647",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
          "type": "imb"
        },
        "branch": {
          "city": "Mount Laurel",
          "state": "NJ"
        },
        "headshot_url": "https://a.mktgcdn.com/p/7RViny3o_Dhvhm5q6y_S2tbaU7J5EcH6KsWJmcK4q8E/907x1209.jpg",
        "licensed_states": [
          "TX",
          "NY",
          "DE",
          "MD"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-07-27",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/belal-khalid-2076564",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-21)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: July 27, 2021 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/belal-khalid-2076564",
      "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": [
        "foreign-national"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}