{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=fr&state=CA",
  "filters": {
    "state": "CA",
    "lang": "fr",
    "limit": 10
  },
  "count": 5,
  "results": [
    {
      "rank": 1,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 360150,
        "slug": "maryam-sehrgosha-360150",
        "full_name": "Maryam Sehrgosha",
        "canonical_url": "https://lendb.ai/lo/maryam-sehrgosha-360150",
        "json_url": "https://lendb.ai/lo/maryam-sehrgosha-360150.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "San Ramon",
          "state": "CA"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/maryam-sehrgosha.png",
        "licensed_states": [
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        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "fa",
          "fr"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-12-05",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/maryam-sehrgosha",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-20)",
        "Office in San Ramon, CA",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC360150), verified 2026-10-24",
        "Earliest state license record: December 5, 2011 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/maryam-sehrgosha-360150",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC360150), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 2,
      "score": 46,
      "loan_officer": {
        "nmls_id": 961014,
        "slug": "simon-atik-961014",
        "full_name": "Simon Atik",
        "licensed_names": [
          {
            "name": "Simon Atik",
            "name_with_middle_initial": "Simon G. Atik",
            "first_name": "Simon",
            "middle_initial": "G",
            "last_name": "Atik",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/simon-atik-961014",
        "json_url": "https://lendb.ai/lo/simon-atik-961014.json",
        "lender": {
          "nmls_id": 1598647,
          "name": "Guaranteed Rate Affinity, LLC",
          "slug": "guaranteed-rate-affinity-llc-1598647",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
          "type": "imb"
        },
        "branch": {
          "city": "Los Angeles",
          "state": "CA"
        },
        "headshot_url": "https://a.mktgcdn.com/p/4mxKw_rQmaUJ74O4hmMdknP8-S0xxb_9jLhSH-vV3T0/191x275.jpg",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "fr"
        ],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-01-14",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2013,
          "state": "CA"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.grarate.com/loan-officers/simon-atik-961014",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-21)",
        "Office in Los Angeles, CA",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC961014), verified 2026-10-24",
        "Earliest state license record: January 14, 2013 (California), per state regulator",
        "States 30 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/simon-atik-961014",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC961014), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 3,
      "score": 41,
      "loan_officer": {
        "nmls_id": 502350,
        "slug": "steven-diec-502350",
        "full_name": "Steven Diec",
        "licensed_names": [
          {
            "name": "Steven Diec",
            "name_with_middle_initial": "Steven C. Diec",
            "first_name": "Steven",
            "middle_initial": "C",
            "last_name": "Diec",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
        "json_url": "https://lendb.ai/lo/steven-diec-502350.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Santa Clara",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/j5CKWDozkNp194LUG6m3cvWBxQnRwk8xartVVpQ8MCo/731x1095.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr",
          "vi",
          "zh"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-02-27",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-clara/3057-stevens-creek-blvd-hla-502350",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in Santa Clara, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 27, 2024 (California), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "score": 30.5,
      "loan_officer": {
        "nmls_id": 448230,
        "slug": "jerome-sierra-448230",
        "full_name": "Jerome Sierra",
        "canonical_url": "https://lendb.ai/lo/jerome-sierra-448230",
        "json_url": "https://lendb.ai/lo/jerome-sierra-448230.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "slug": "wells-fargo-399801",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Los Altos",
          "state": "CA"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/Swaiw_SY1XuCE968Fg9Z9splY4j5rSXIBlbrwEPZi_o/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/ca/los-altos/jerome-sierra",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in Los Altos, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/jerome-sierra-448230",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 30,
      "loan_officer": {
        "nmls_id": 482409,
        "slug": "cristian-connelly-482409",
        "full_name": "Cristian Connelly",
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        "json_url": "https://lendb.ai/lo/cristian-connelly-482409.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "San Francisco",
          "state": "CA"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/3E569AE4-F779-49AE-B833-CBCE0D7BF3F6.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/cristianconnelly",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in San Francisco, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/cristian-connelly-482409",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
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  ]
}