LenDb.ai

Loan programs · New York

USDA loan officers in New York

As of 2026-10-09, LenDb lists 17 loan officers licensed in or based in New York whose lender pages show USDA loan work. The top-ranked are Todd McDermott (Homestead Funding, Goshen), Terry T. Terzakis (Homestead Funding, North Haven) and James McQuade (Embrace Home Loans, Melville). 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 16

  1. 1

    Todd McDermottNMLS 63690

    Homestead Funding · Goshen, NY · licensed in 9 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 7 years licensed
  2. 2

    Terry T. TerzakisNMLS 110369

    Homestead Funding · North Haven, CT · licensed in 12 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    James McQuadeNMLS 62601

    Embrace Home Loans · Melville, NY · licensed in 7 states

    • USDA loan
    • FHA loan
    • VA loan
    • Down payment assistance
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 11 years licensed
  4. 4

    Adam SlackNMLS 203603

    CrossCountry Mortgage · Wilmington, NC · licensed in 27 states

    • USDA loan
    • VA loan
    • FHA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Christine IntrabartolaNMLS 22783

    Embrace Home Loans · Melville, NY · licensed in 7 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 4 years licensed
  6. 6

    Stephanie MadeuxNMLS 2251240

    Embrace Home Loans · Melville, NY · licensed in 4 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 4 years licensed
  7. 7

    Dominick AngottiNMLS 202583

    CrossCountry Mortgage · Tampa, FL · licensed in 4 states

    • USDA loan
    • Reverse mortgage
    • Down payment assistance
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Michael GiardinaNMLS 589507

    Embrace Home Loans · Melville, NY · licensed in 5 states

    • USDA loan
    • FHA loan
    • VA loan
    • Down payment assistance
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 4 years licensed
  9. 9

    Richard Ricky JarvisNMLS 1301286

    Embrace Home Loans · Melville, NY · licensed in 10 states

    • USDA loan
    • FHA loan
    • VA loan
    • Down payment assistance
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 2 years licensed
  10. 10

    Jitin Jay GhaiNMLS 2546787

    Embrace Home Loans · Melville, NY · licensed in 2 states

    • USDA loan
    • FHA loan
    • VA loan
    • Down payment assistance
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • 2 years licensed
  11. 11

    Michael PuorroNMLS 267438

    Embrace Home Loans · Basking Ridge, NJ · licensed in 4 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Christina ThluaiNMLS 1471916

    CrossCountry Mortgage · Indianapolis, IN · licensed in 15 states

    • USDA loan
    • Condo
    • Construction loan
    • Down payment assistance
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Tony PedullaNMLS 1168414

    CrossCountry Mortgage · Parsippany, NJ · licensed in 2 states

    • USDA loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Michael PotoczakNMLS 966993

    Embrace Home Loans · Basking Ridge, NJ · licensed in 3 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Matt RossineNMLS 363603

    Embrace Home Loans · Basking Ridge, NJ · licensed in 4 states

    • USDA loan
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Manen PanNMLS 1006352

    First Citizens Bank · Pasadena, CA · licensed in 32 states

    • USDA loan
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Property location and household income limits must both qualify, and USDA approval adds time to the closing.

  • Is this address in a USDA eligible area?
  • Does my household income fall under the limit for this county?
  • How long does USDA approval take with you right now?

More about USDA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in NY or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=usda&state=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.