{
  "canonical_url": "https://lendb.ai/s/itin/new-york",
  "summary": "As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in New York whose lender pages show ITIN borrower work. The top-ranked are Debora Valdes (Total Mortgage Services, Milford) and Ronald Atamian (CrossCountry Mortgage, Allentown). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "itin",
  "state": "NY",
  "total": 3,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1793296,
        "slug": "debora-valdes-1793296",
        "full_name": "Debora Valdes",
        "canonical_url": "https://lendb.ai/lo/debora-valdes-1793296",
        "json_url": "https://lendb.ai/lo/debora-valdes-1793296.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Milford",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "MA",
          "NY",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/debora-valdes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower 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 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/debora-valdes-1793296",
      "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/debora-valdes"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 963318,
        "slug": "ronald-atamian-963318",
        "full_name": "Ronald Atamian",
        "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318",
        "json_url": "https://lendb.ai/lo/ronald-atamian-963318.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",
          "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": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/ronald-atamian/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower 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 2021 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318",
      "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-2587/ronald-atamian/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    }
  ]
}