{ "canonical_url": "https://lendb.ai/s/heloc/new-york", "summary": "As of 2026-10-09, LenDb lists 47 loan officers licensed in or based in New York whose lender pages show HELOC work. The top-ranked are Daniel McDermott (CrossCountry Mortgage, Montvale), Christopher Ruddle (JPMorgan Chase Bank (Chase Home Lending), New York) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "NY", "total": 47, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 52, "loan_officer": { "nmls_id": 430030, "slug": "daniel-mcdermott-430030", "full_name": "Daniel McDermott", "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030", "json_url": "https://lendb.ai/lo/daniel-mcdermott-430030.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", "CO", "AL", "AZ", "CA", "CT", "GA", "IL", "IN", "KY", "MA", "MD", "MI", "MS", "NC", "NJ", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "UT", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4328/daniel-mcdermott/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2012 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030", "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-4328/daniel-mcdermott/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 50.5, "loan_officer": { "nmls_id": 602271, "slug": "christopher-ruddle-602271", "full_name": "Christopher Ruddle", "canonical_url": "https://lendb.ai/lo/christopher-ruddle-602271", "json_url": "https://lendb.ai/lo/christopher-ruddle-602271.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": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "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://homelendingadvisor.chase.com/ny/new-york/1290-avenue-of-the-americas-hla-602271", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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/christopher-ruddle-602271", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 47.8, "loan_officer": { "nmls_id": 690505, "slug": "iris-legaspi-690505", "full_name": "Iris Legaspi", "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "UT", "VA", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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)" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "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://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 4, "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 HELOC 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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 44.5, "loan_officer": { "nmls_id": 1665675, "slug": "james-belling-1665675", "full_name": "James Belling", "canonical_url": "https://lendb.ai/lo/james-belling-1665675", "json_url": "https://lendb.ai/lo/james-belling-1665675.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Oceanside", "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": "heloc", "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": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/oceanside/3285-long-beach-rd-hla-1665675", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Oceanside, 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/james-belling-1665675", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 42.8, "loan_officer": { "nmls_id": 588010, "slug": "george-skrepetos-588010", "full_name": "George Skrepetos", "canonical_url": "https://lendb.ai/lo/george-skrepetos-588010", "json_url": "https://lendb.ai/lo/george-skrepetos-588010.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Hewlett", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "el", "pl" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/hewlett/1304-broadway-hla-588010", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Hewlett, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/george-skrepetos-588010", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 42.8, "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 HELOC 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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 42.8, "loan_officer": { "nmls_id": 2833970, "slug": "md-alam-2833970", "full_name": "Md Alam", "canonical_url": "https://lendb.ai/lo/md-alam-2833970", "json_url": "https://lendb.ai/lo/md-alam-2833970.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Jamaica", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "hi" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/jamaica/184-01-hillside-ave-hla-2833970", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Jamaica, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/md-alam-2833970", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 42.5, "loan_officer": { "nmls_id": 12572, "slug": "vincent-trapani-12572", "full_name": "Vincent Trapani", "canonical_url": "https://lendb.ai/lo/vincent-trapani-12572", "json_url": "https://lendb.ai/lo/vincent-trapani-12572.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "North Massapequa", "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": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/north-massapequa/1090-hicksville-rd-hla-12572", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in North Massapequa, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/vincent-trapani-12572", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 42.5, "loan_officer": { "nmls_id": 109622, "slug": "william-ferris-109622", "full_name": "William Ferris", "canonical_url": "https://lendb.ai/lo/william-ferris-109622", "json_url": "https://lendb.ai/lo/william-ferris-109622.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Rockville Centre", "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": "heloc", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/rockville-centre/10-n-village-ave-hla-109622", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Rockville Centre, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/william-ferris-109622", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 42.5, "loan_officer": { "nmls_id": 111624, "slug": "crystal-johnson-111624", "full_name": "Crystal Johnson", "canonical_url": "https://lendb.ai/lo/crystal-johnson-111624", "json_url": "https://lendb.ai/lo/crystal-johnson-111624.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Huntington Station", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "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/huntington-station/55-west-jericho-tpke-hla-111624", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Huntington Station, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/crystal-johnson-111624", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 42.5, "loan_officer": { "nmls_id": 625906, "slug": "joseph-bonomolo-625906", "full_name": "Joseph Bonomolo", "canonical_url": "https://lendb.ai/lo/joseph-bonomolo-625906", "json_url": "https://lendb.ai/lo/joseph-bonomolo-625906.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Franklin Square", "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": "heloc", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/franklin-square/925-hempstead-tpke-hla-625906", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Franklin Square, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/joseph-bonomolo-625906", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 42.5, "loan_officer": { "nmls_id": 1033377, "slug": "daniel-fu-1033377", "full_name": "Daniel Fu", "canonical_url": "https://lendb.ai/lo/daniel-fu-1033377", "json_url": "https://lendb.ai/lo/daniel-fu-1033377.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": "heloc", "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/new-york/1120-6th-ave-hla-1033377", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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/daniel-fu-1033377", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 42.5, "loan_officer": { "nmls_id": 1173871, "slug": "anthony-peluso-1173871", "full_name": "Anthony Peluso", "canonical_url": "https://lendb.ai/lo/anthony-peluso-1173871", "json_url": "https://lendb.ai/lo/anthony-peluso-1173871.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Levittown", "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": "heloc", "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/levittown/3737-hempstead-tpke-hla-1173871", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Levittown, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/anthony-peluso-1173871", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 42.5, "loan_officer": { "nmls_id": 1464554, "slug": "daniel-cassuto-1464554", "full_name": "Daniel Cassuto", "canonical_url": "https://lendb.ai/lo/daniel-cassuto-1464554", "json_url": "https://lendb.ai/lo/daniel-cassuto-1464554.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Hauppauge", "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": "heloc", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/hauppauge/200-motor-pkwy-hla-1464554", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Hauppauge, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/daniel-cassuto-1464554", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 42, "loan_officer": { "nmls_id": 600018, "slug": "tushar-kumar-600018", "full_name": "Tushar Kumar", "canonical_url": "https://lendb.ai/lo/tushar-kumar-600018", "json_url": "https://lendb.ai/lo/tushar-kumar-600018.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Long Island City", "state": "NY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "hi" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "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" }, { "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/long-island-city/10-51-jackson-ave-hla-600018", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Long Island City, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/tushar-kumar-600018", "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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 29.8, "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 HELOC 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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 27.8, "loan_officer": { "nmls_id": 28020, "slug": "maryann-taormina-28020", "full_name": "Maryann Taormina", "canonical_url": "https://lendb.ai/lo/maryann-taormina-28020", "json_url": "https://lendb.ai/lo/maryann-taormina-28020.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "CT", "MA", "ME", "NH", "NJ", "NY", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 40, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-8207/maryann-taormina/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2011 (per Florida records)", "States 40 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/maryann-taormina-28020", "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/tampa-fl-8207/maryann-taormina/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 27.8, "loan_officer": { "nmls_id": 61180, "slug": "mark-harrison-61180", "full_name": "Mark Harrison", "canonical_url": "https://lendb.ai/lo/mark-harrison-61180", "json_url": "https://lendb.ai/lo/mark-harrison-61180.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "CA", "NY", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 32, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-8278/mark-harrison/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2011 (per Florida records)", "States 32 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-harrison-61180", "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/delray-beach-fl-8278/mark-harrison/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 27.8, "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 HELOC 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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 27.8, "loan_officer": { "nmls_id": 141931, "slug": "steven-slaski-141931", "full_name": "Steven Slaski", "canonical_url": "https://lendb.ai/lo/steven-slaski-141931", "json_url": "https://lendb.ai/lo/steven-slaski-141931.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Allentown", "state": "PA" }, "licensed_states": [ "FL", "MD", "NC", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2510/steven-slaski/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2018 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-slaski-141931", "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/allentown-pa-2510/steven-slaski/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 27.8, "loan_officer": { "nmls_id": 219043, "slug": "scott-schneiderman-219043", "full_name": "Scott Schneiderman", "canonical_url": "https://lendb.ai/lo/scott-schneiderman-219043", "json_url": "https://lendb.ai/lo/scott-schneiderman-219043.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "GA", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MO", "NC", "NJ", "NV", "NY", "OH", "OR", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3067/scott-schneiderman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2016 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/scott-schneiderman-219043", "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/chicago-il-3067/scott-schneiderman/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 24.5, "loan_officer": { "nmls_id": 8676, "slug": "philip-russo-8676", "full_name": "Phil Russo", "canonical_url": "https://lendb.ai/lo/philip-russo-8676", "json_url": "https://lendb.ai/lo/philip-russo-8676.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wayne", "state": "PA" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "ID", "LA", "MA", "MD", "ME", "MI", "MT", "NC", "NH", "NJ", "NY", "OH", "PA", "SC", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-2590/philip-russo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/philip-russo-8676", "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/wayne-pa-2590/philip-russo/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 24.5, "loan_officer": { "nmls_id": 63764, "slug": "christopher-keelin-63764", "full_name": "Christopher Keelin", "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764", "json_url": "https://lendb.ai/lo/christopher-keelin-63764.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", "AL", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/christopher-keelin/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764", "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/christopher-keelin/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 24, "loan_officer": { "nmls_id": 12134, "slug": "david-pickering-12134", "full_name": "David Pickering", "canonical_url": "https://lendb.ai/lo/david-pickering-12134", "json_url": "https://lendb.ai/lo/david-pickering-12134.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", "AL", "AZ", "CA", "CO", "CT", "DE", "IN", "KS", "KY", "LA", "MA", "MD", "MN", "MO", "NC", "NH", "NJ", "NV", "NY", "OH", "OK", "PA", "SC", "TN", "TX", "VA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/david-pickering/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2012 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/david-pickering-12134", "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-2036/david-pickering/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] } ] }