{
  "canonical_url": "https://lendb.ai/s/investor/new-york",
  "summary": "As of 2026-10-09, LenDb lists 53 loan officers licensed in or based in New York whose lender pages show Real estate investor work. The top-ranked are Justin Schiatta (CrossCountry Mortgage, Melville), Eric Gasper (CrossCountry Mortgage, Mineola) and George Tsemberlis (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "investor",
  "state": "NY",
  "total": 53,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "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 Real estate investor 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": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 175852,
        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
        "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
        "json_url": "https://lendb.ai/lo/eric-gasper-175852.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Mineola",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "CT",
          "DC",
          "DE",
          "IL",
          "MA",
          "ME",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "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": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 16,
        "licensed_since": {
          "year": 2010,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Mineola, NY",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2010 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
      "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/mineola-ny-4750/eric-gasper/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 1760286,
        "slug": "george-tsemberlis-1760286",
        "full_name": "George Tsemberlis",
        "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286",
        "json_url": "https://lendb.ai/lo/george-tsemberlis-1760286.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",
          "CA",
          "CT",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/george-tsemberlis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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 2020 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286",
      "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-3690/george-tsemberlis/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 128183,
        "slug": "adam-workman-128183",
        "full_name": "Adam Workman",
        "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
        "json_url": "https://lendb.ai/lo/adam-workman-128183.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "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": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "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": "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": "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": "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": "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": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
      "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/charlotte-nc-3503/adam-workman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "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",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "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": "lender_reported"
          },
          {
            "state": "OH",
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
      "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/boca-raton-fl-3701/eric-rosemary/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "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": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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          },
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
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        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
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        "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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        "canonical_url": "https://lendb.ai/lo/jacqueline-koven-252596",
        "json_url": "https://lendb.ai/lo/jacqueline-koven-252596.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Summit",
          "state": "NJ"
        },
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          "NJ",
          "NY",
          "PA"
        ],
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
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        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "full_name": "Kimberly Antenucci",
        "canonical_url": "https://lendb.ai/lo/kimberly-antenucci-1145867",
        "json_url": "https://lendb.ai/lo/kimberly-antenucci-1145867.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Syracuse",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CA",
          "NY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 13,
        "lender_profile_url": "https://crosscountrymortgage.com/syracuse-ny-5366/kimberly-antenucci/",
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        "States 13 years of experience (lender page, 2026-10-09)"
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        "canonical_url": "https://lendb.ai/lo/nathaniel-vogel-1235062",
        "json_url": "https://lendb.ai/lo/nathaniel-vogel-1235062.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        "branch": {
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          "state": "NY"
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          "CA",
          "CT",
          "GA",
          "MD",
          "NC",
          "NJ",
          "NY",
          "OR",
          "PA",
          "TX"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CT",
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          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
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            "confidence": "confirmed"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cedarhurst-ny-5659/nathaniel-vogel/",
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      ],
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        "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/cedarhurst-ny-5659/nathaniel-vogel/"
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        "canonical_url": "https://lendb.ai/lo/jonathan-long-1765073",
        "json_url": "https://lendb.ai/lo/jonathan-long-1765073.json",
        "lender": {
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        "years_experience": 7,
        "lender_profile_url": "https://crosscountrymortgage.com/rochester-ny-3082/jonathan-long/",
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        "States 7 years of experience (lender page, 2026-10-09)"
      ],
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        "canonical_url": "https://lendb.ai/lo/harrison-sangster-1832888",
        "json_url": "https://lendb.ai/lo/harrison-sangster-1832888.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lake Placid",
          "state": "NY"
        },
        "licensed_states": [
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          "NJ",
          "NY"
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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            "state": "NY",
            "confidence": "lender_reported"
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            "slug": "vacation-home",
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          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lake-placid-ny-4787/harrison-sangster/",
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          "state": "FL"
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          "IA",
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          "KS",
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          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
          "NC",
          "NH",
          "NY",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA"
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            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
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          {
            "state": "MA",
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          {
            "state": "MD",
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
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          "state": "FL"
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        "years_experience": 11,
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        "States 11 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/tampa-fl-4539/gregory-fearnley/"
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        "json_url": "https://lendb.ai/lo/debora-valdes-1793296.json",
        "lender": {
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          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
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        "branch": {
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          "state": "CT"
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          "MA",
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        "languages": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "States 10 years of experience (lender page, 2026-10-09)"
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        "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.totalmortgage.com/bankers/debora-valdes"
      },
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      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
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      "rank": 14,
      "score": 54.8,
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        "canonical_url": "https://lendb.ai/lo/regina-cristodero-195320",
        "json_url": "https://lendb.ai/lo/regina-cristodero-195320.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"
        },
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          "NY"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": null,
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        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5251/regina-cristodero/",
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      ],
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        "state": "NY",
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        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 53.8,
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        "slug": "denise-panza-16446",
        "full_name": "Denise Panza",
        "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
        "json_url": "https://lendb.ai/lo/denise-panza-16446.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
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          "PA",
          "CT",
          "GA",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-panza",
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      },
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        "Lists Real estate investor 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 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
      "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.totalmortgage.com/bankers/denise-panza"
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      "rank": 16,
      "score": 53.5,
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        "slug": "keara-mooney-2173565",
        "full_name": "Keara Mooney",
        "canonical_url": "https://lendb.ai/lo/keara-mooney-2173565",
        "json_url": "https://lendb.ai/lo/keara-mooney-2173565.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Hauppauge",
          "state": "NY"
        },
        "licensed_states": [
          "NJ",
          "NY"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
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          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": 3,
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/hauppauge-ny-5057/keara-mooney/",
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      ],
      "canonical_url": "https://lendb.ai/lo/keara-mooney-2173565",
      "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/hauppauge-ny-5057/keara-mooney/"
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        "canonical_url": "https://lendb.ai/lo/andrea-roth-401623",
        "json_url": "https://lendb.ai/lo/andrea-roth-401623.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "NY"
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        "licensed_states": [
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        "licenses": [
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            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "slug": "new-construction",
            "evidence": "lender_page_text"
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            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/williamsville-ny-5645/andrea-roth/",
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      ],
      "canonical_url": "https://lendb.ai/lo/andrea-roth-401623",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/williamsville-ny-5645/andrea-roth/"
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        "canonical_url": "https://lendb.ai/lo/joanne-rogers-223618",
        "json_url": "https://lendb.ai/lo/joanne-rogers-223618.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "IL"
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        "licensed_states": [
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          "IN",
          "ME",
          "MI",
          "NY",
          "OR",
          "SC",
          "TX",
          "WA",
          "WI"
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NY",
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        "languages": [],
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            "slug": "down-payment-assistance",
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            "slug": "investor",
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          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/deerfield-il-3073/joanne-rogers/",
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      ],
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        "full_name": "Nicole Perrone",
        "canonical_url": "https://lendb.ai/lo/nicole-perrone-235881",
        "json_url": "https://lendb.ai/lo/nicole-perrone-235881.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Union",
          "state": "NJ"
        },
        "licensed_states": [
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          "CA",
          "NJ",
          "NY",
          "PA"
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        "licenses": [
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            "state": "CA",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3498/nicole-perrone/",
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        "States 30 years of experience (lender page, 2026-10-09)"
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        "lender": {
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        "branch": {
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          "state": "TX"
        },
        "licensed_states": [
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          "AZ",
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          "HI",
          "ID",
          "LA",
          "NV",
          "NY",
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          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
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          {
            "state": "FL",
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          {
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "specialties": [
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/lewisville-tx-3372/ubaldo-leon-iii/",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "DE",
          "MD",
          "ME",
          "NJ",
          "NY",
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          "SC"
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        "licenses": [
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
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            "confidence": "confirmed"
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-4888/trevor-tashlik/",
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        "canonical_url": "https://lendb.ai/lo/emmanuel-depas-2057995",
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          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
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        "branch": {
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          "NJ",
          "NY"
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          {
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          "MA",
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