--- canonical_url: https://lendb.ai/s/refinance/new-york last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[George Tsemberlis](https://lendb.ai/lo/george-tsemberlis-1760286)** (NMLS 1760286), CrossCountry Mortgage, White Plains, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in White Plains, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: December 3, 2020 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-26) 2. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Amityville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: November 24, 2021 (Florida), per state regulator 3. **[Anita Aguilar](https://lendb.ai/lo/anita-aguilar-498749)** (NMLS 498749), Cardinal Financial Company, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: June 23, 2011 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 4. **[Joelle Wright](https://lendb.ai/lo/joelle-wright-1946515)** (NMLS 1946515), United Mortgage Corp., Woodbury, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Woodbury, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: August 25, 2022 (Florida), per state regulator - States 5 years of experience (lender page, 2026-10-21) 5. **[Joseph Zarrillo](https://lendb.ai/lo/joseph-zarrillo-2148419)** (NMLS 2148419), Meadowbrook Financial Mortgage Bankers Corp., Hicksville, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Hicksville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: October 18, 2021 (Florida), per state regulator 6. **[Tim Tallis](https://lendb.ai/lo/timothy-tallis-339303)** (NMLS 339303), Veterans United Home Loans, Columbia, MO - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: June 30, 2011 (California), per state regulator 7. **[Natasha Robinson](https://lendb.ai/lo/natasha-robinson-332074)** (NMLS 332074), Guaranteed Rate Affinity, LLC, Chicago, IL - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: April 20, 2009 (Illinois), per state regulator 8. **[Tyler Bahnsen](https://lendb.ai/lo/tyler-bahnsen-362852)** (NMLS 362852), CMG Home Loans, Miami, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: October 20, 2011 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-20) 9. **[Lynette Robinson](https://lendb.ai/lo/lynette-robinson-2608509)** (NMLS 2608509), United Mortgage Corp., Melville, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Melville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 10. **[Michael Colella](https://lendb.ai/lo/michael-colella-1466855)** (NMLS 1466855), Embrace Home Loans, Marlton, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: February 9, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-21) 11. **[Bryan Miller](https://lendb.ai/lo/bryan-miller-1191905)** (NMLS 1191905), The Federal Savings Bank - Lists Refinance on lender page (lender page, verified 2026-10-26) - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: July 30, 2018 (Wisconsin), per state regulator 12. **[Dennis Vo](https://lendb.ai/lo/dennis-vo-202984)** (NMLS 202984), CMG Home Loans, Miami, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: March 5, 2018 (Florida), per state regulator 13. **[Joseph Femia](https://lendb.ai/lo/joseph-femia-1876799)** (NMLS 1876799), United Mortgage Corp., Melville, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Melville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: February 20, 2023 (Florida), per state regulator 14. **[Javier Kato, CMA](https://lendb.ai/lo/javier-kato-cma-2230547)** (NMLS 2230547), CrossCountry Mortgage, Brooklyn, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Brooklyn, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 15. **[Maria Babcock](https://lendb.ai/lo/maria-babcock-66488)** (NMLS 66488), Homestead Funding, East Syracuse, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in East Syracuse, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 16. **[Michael Adler](https://lendb.ai/lo/meyer-adler-28172)** (NMLS 28172), CMG Home Loans, Paramus, NJ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: September 26, 2025 (California), per state regulator 17. **[Addam Pence](https://lendb.ai/lo/addam-pence-18432)** (NMLS 18432), The Federal Savings Bank - Focus: Refinance (from their bio on their lender page, verified 2026-10-26) - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: April 29, 2009 (Wisconsin), per state regulator - States 10 years of experience (lender page, 2026-10-16) 18. **[John Geraci](https://lendb.ai/lo/john-geraci-1459198)** (NMLS 1459198), The Federal Savings Bank - Lists Refinance on lender page (lender page, verified 2026-10-26) - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: February 13, 2020 (Florida), per state regulator 19. **[Michael O'Connor](https://lendb.ai/lo/michael-o-connor-485921)** (NMLS 485921), CrossCountry Mortgage, Hauppauge, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Hauppauge, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: September 17, 2025 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-26) 20. **[Michael Deutsch](https://lendb.ai/lo/michael-deutsch-31182)** (NMLS 31182), CrossCountry Mortgage, Melville, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Melville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - States 23 years of experience (lender page, 2026-10-26) 21. **[Justin Schiatta](https://lendb.ai/lo/justin-schiatta-115343)** (NMLS 115343), CrossCountry Mortgage, Melville, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Melville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - States 20 years of experience (lender page, 2026-10-26) 22. **[Antonio Velardi](https://lendb.ai/lo/antonio-velardi-1942729)** (NMLS 1942729), United Mortgage Corp., Toms River, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 23. **[Alishia Taiping](https://lendb.ai/lo/alishia-taiping-588949)** (NMLS 588949), Guaranteed Rate Affinity, LLC, Paramus, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - Earliest state license record: May 13, 2026 (Florida), per state regulator 24. **[Brendan McClarnon](https://lendb.ai/lo/brendan-mcclarnon-17865)** (NMLS 17865), CrossCountry Mortgage, White Plains, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in White Plains, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - States 26 years of experience (lender page, 2026-10-26) 25. **[Eric Vaughn](https://lendb.ai/lo/eric-vaughn-88577)** (NMLS 88577), CrossCountry Mortgage, Williamsville, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Williamsville, NY - Licensed in NY: confirmed with the New York regulator, verified 2026-10-14 - States 23 years of experience (lender page, 2026-10-26) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/new-york. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._