Borrower situations · New York
Loan officers for homeowners who are refinancing in New York
As of 2026-10-26, LenDb lists 75 loan officers licensed in or based in New York whose lender pages show Refinance work. The top-ranked are George Tsemberlis (CrossCountry Mortgage, White Plains), Jason Stallworth (Embrace Home Loans, Amityville) and Anita Aguilar (Cardinal Financial Company, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
George TsemberlisNMLS 1760286
CrossCountry Mortgage · White Plains, NY · licensed in 6 states
- Refinance
- First-time buyer
- Real estate investor
- FHA loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in White Plains, NY
- Earliest state license record: December 3, 2020 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-26)
- 2
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- Non-QM loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Amityville, NY
- Earliest state license record: November 24, 2021 (Florida), per state regulator
- 3
Anita AguilarNMLS 498749
Cardinal Financial Company · San Diego, CA · licensed in 3 states
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 23, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 4
Joelle WrightNMLS 1946515
United Mortgage Corp. · Woodbury, NY · licensed in 3 states
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Woodbury, NY
- Earliest state license record: August 25, 2022 (Florida), per state regulator
- States 5 years of experience (lender page, 2026-10-21)
- 5
Joseph ZarrilloNMLS 2148419
Meadowbrook Financial Mortgage Bankers Corp. · Hicksville, NY · licensed in 2 states
- Refinance
- First-time buyer
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Hicksville, NY
- Earliest state license record: October 18, 2021 (Florida), per state regulator
- 6
Tim TallisNMLS 339303
Veterans United Home Loans · Columbia, MO · licensed in 6 states
- Refinance
- VA loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 30, 2011 (California), per state regulator
- 7
Natasha RobinsonNMLS 332074
Guaranteed Rate Affinity, LLC · Chicago, IL · licensed in 10 states
- Refinance
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: April 20, 2009 (Illinois), per state regulator
- 8
Tyler BahnsenNMLS 362852
CMG Home Loans · Miami, FL · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: October 20, 2011 (Florida), per state regulator
- States 21 years of experience (lender page, 2026-10-20)
- 9
Lynette RobinsonNMLS 2608509
United Mortgage Corp. · Melville, NY
- Refinance
- First-time buyer
- VA loan
- Construction loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Melville, NY
- 10
Michael ColellaNMLS 1466855
Embrace Home Loans · Marlton, NJ · licensed in 9 states
- Refinance
- FHA loan
- HELOC
- Jumbo loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: February 9, 2026 (Florida), per state regulator
- States 10 years of experience (lender page, 2026-10-21)
- 11
Bryan MillerNMLS 1191905
The Federal Savings Bank · Bank
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 30, 2018 (Wisconsin), per state regulator
- 12
Dennis VoNMLS 202984
CMG Home Loans · Miami, FL · licensed in 5 states
- Refinance
- Asset-based qualifying
- Bank statement loan
- Condo
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: March 5, 2018 (Florida), per state regulator
- 13
Joseph FemiaNMLS 1876799
United Mortgage Corp. · Melville, NY · licensed in 3 states
- Refinance
- First-time buyer
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Melville, NY
- Earliest state license record: February 20, 2023 (Florida), per state regulator
- 14
Javier Kato, CMANMLS 2230547
CrossCountry Mortgage · Brooklyn, NY · licensed in 2 states
- Refinance
- Co-op
- Condo
- DSCR loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Brooklyn, NY
- 15
Maria BabcockNMLS 66488
Homestead Funding · East Syracuse, NY
- Refinance
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in East Syracuse, NY
- 16
Michael AdlerNMLS 28172
CMG Home Loans · Paramus, NJ · licensed in 5 states
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: September 26, 2025 (California), per state regulator
- 17
Addam PenceNMLS 18432
The Federal Savings Bank · Bank
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Focus: Refinance (from their bio on their lender page, verified 2026-10-26)
- Earliest state license record: April 29, 2009 (Wisconsin), per state regulator
- States 10 years of experience (lender page, 2026-10-16)
- 18
John GeraciNMLS 1459198
The Federal Savings Bank · Bank
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 13, 2020 (Florida), per state regulator
- 19
Michael O'ConnorNMLS 485921
CrossCountry Mortgage · Hauppauge, NY · licensed in 13 states
- Refinance
- Reverse mortgage
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Hauppauge, NY
- Earliest state license record: September 17, 2025 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-26)
- 20
Michael DeutschNMLS 31182
CrossCountry Mortgage · Melville, NY · licensed in 2 states
- Refinance
- VA loan
- First-time buyer
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Melville, NY
- States 23 years of experience (lender page, 2026-10-26)
- 21
Justin SchiattaNMLS 115343
CrossCountry Mortgage · Melville, NY
- Refinance
- FHA loan
- Jumbo loan
- Real estate investor
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Melville, NY
- States 20 years of experience (lender page, 2026-10-26)
- 22
Antonio VelardiNMLS 1942729
United Mortgage Corp. · Toms River, NJ · licensed in 2 states
- Refinance
- Real estate investor
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- 23
Alishia TaipingNMLS 588949
Guaranteed Rate Affinity, LLC · Paramus, NJ · licensed in 3 states
- Refinance
- HELOC
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: May 13, 2026 (Florida), per state regulator
- 24
Brendan McClarnonNMLS 17865
CrossCountry Mortgage · White Plains, NY
- Refinance
- First-time buyer
- Jumbo loan
- FHA loan
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in White Plains, NY
- States 26 years of experience (lender page, 2026-10-26)
- 25
Eric VaughnNMLS 88577
CrossCountry Mortgage · Williamsville, NY · licensed in 2 states
- Refinance
- FHA loan
- Non-QM loan
- Physician and medical professional
- ✓Licensed in NY: confirmed with the New York regulator, verified 2026-10-14
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Williamsville, NY
- States 23 years of experience (lender page, 2026-10-26)
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a NY license is confirmed with the state regulator (check mark), NY is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.