{ "canonical_url": "https://lendb.ai/s/renovation/new-york", "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in New York whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport), Joe Delorenzo (Homestead Funding, Albany) and David Smith (CrossCountry Mortgage, Syracuse). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "renovation", "state": "NY", "total": 25, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 62315, "slug": "rene-gonzalez-62315", "full_name": "Rene Gonzalez", "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315", "json_url": "https://lendb.ai/lo/rene-gonzalez-62315.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Freeport", "state": "NY" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.fairway.com/lo/rene-gonzalez-62315", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Freeport, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2014 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315", "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.fairway.com/lo/rene-gonzalez-62315" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62, "loan_officer": { "nmls_id": 57244, "slug": "joe-delorenzo-57244", "full_name": "Joe Delorenzo", "canonical_url": "https://lendb.ai/lo/joe-delorenzo-57244", "json_url": "https://lendb.ai/lo/joe-delorenzo-57244.json", "lender": { "nmls_id": 3232, "name": "Homestead Funding", "canonical_url": "https://lendb.ai/lender/homestead-funding-3232", "type": "imb" }, "branch": { "city": "Albany", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/joe-delorenzo", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Albany, 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/joe-delorenzo-57244", "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.homesteadfunding.com/loan-originators/joe-delorenzo" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57.8, "loan_officer": { "nmls_id": 1579719, "slug": "david-smith-1579719", "full_name": "David Smith", "canonical_url": "https://lendb.ai/lo/david-smith-1579719", "json_url": "https://lendb.ai/lo/david-smith-1579719.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Syracuse", "state": "NY" }, "licensed_states": [ "NY" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/syracuse-ny-3174/david-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Syracuse, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/david-smith-1579719", "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/syracuse-ny-3174/david-smith/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 56, "loan_officer": { "nmls_id": 1586340, "slug": "emily-mcvay-1586340", "full_name": "Emily McVay", "canonical_url": "https://lendb.ai/lo/emily-mcvay-1586340", "json_url": "https://lendb.ai/lo/emily-mcvay-1586340.json", "lender": { "nmls_id": 3232, "name": "Homestead Funding", "canonical_url": "https://lendb.ai/lender/homestead-funding-3232", "type": "imb" }, "branch": { "city": "Williamsville", "state": "NY" }, "licensed_states": [ "NY", "PA" ], "licenses": [ { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 8, "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/emily-mcvay", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Williamsville, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/emily-mcvay-1586340", "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.homesteadfunding.com/loan-originators/emily-mcvay" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 1737007, "slug": "karin-gagliano-1737007", "full_name": "Karin Gagliano", "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007", "json_url": "https://lendb.ai/lo/karin-gagliano-1737007.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Pittsford", "state": "NY" }, "licensed_states": [ "FL", "NY", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Pittsford, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007", "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/pittsford-ny-4696/karin-gagliano/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 53.8, "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 Renovation loan (203k / HomeStyle) 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": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 53.8, "loan_officer": { "nmls_id": 420639, "slug": "quentin-hardy-420639", "full_name": "Quentin Hardy", "canonical_url": "https://lendb.ai/lo/quentin-hardy-420639", "json_url": "https://lendb.ai/lo/quentin-hardy-420639.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", "CT", "GA", "MO", "NJ", "NY", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-5223/quentin-hardy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) 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)" ], "canonical_url": "https://lendb.ai/lo/quentin-hardy-420639", "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-5223/quentin-hardy/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 53, "loan_officer": { "nmls_id": 2253012, "slug": "judelka-diaz-2253012", "full_name": "Judelka Diaz", "canonical_url": "https://lendb.ai/lo/judelka-diaz-2253012", "json_url": "https://lendb.ai/lo/judelka-diaz-2253012.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "licensed_states": [ "PA", "CT", "NJ", "NY", "TX" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/judelka-diaz", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Amityville, NY", "NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/judelka-diaz-2253012", "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-york/amityville/judelka-diaz" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 61691, "slug": "tom-gates-61691", "full_name": "Tom Gates", "canonical_url": "https://lendb.ai/lo/tom-gates-61691", "json_url": "https://lendb.ai/lo/tom-gates-61691.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": [ "CT", "NJ", "NY", "OR", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) 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)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tom-gates-61691", "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-4333/thomas-gates/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 146468, "slug": "robert-kaiser-146468", "full_name": "Rob Kaiser", "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "licensed_states": [ "FL", "GA", "NJ", "NY", "PA", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) 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 2025 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "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/sarasota-fl-4194/robert-kaiser/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 51.8, "loan_officer": { "nmls_id": 172843, "slug": "alessandra-davis-172843", "full_name": "Sandy Davis", "canonical_url": "https://lendb.ai/lo/alessandra-davis-172843", "json_url": "https://lendb.ai/lo/alessandra-davis-172843.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Aventura", "state": "FL" }, "licensed_states": [ "FL", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/aventura-fl-3830/alessandra-davis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "NY listed on their lender page (not yet checked with the state regulator; 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