{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=CA",
  "filters": {
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      "fha"
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    "state": "CA",
    "limit": 10
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  "count": 10,
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    {
      "rank": 1,
      "score": 62.8,
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        "licensed_states": [
          "CA"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
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            "evidence": "lender_page_text"
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        "Office in Vacaville, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 28 years of experience (lender page, 2026-10-09)"
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      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/vacaville-ca-8133/tonda-herndon/"
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        "full_name": "Pete Mingham",
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        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
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        "licensed_states": [
          "CA",
          "ID",
          "TX"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2022-02-15",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/pete-mingham-141-nkpm.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Walnut Creek, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 15, 2022 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
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        "state": "CA",
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        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 62.8,
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        "slug": "john-assily-291314",
        "full_name": "John Assily",
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          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "CA"
        },
        "licensed_states": [
          "CA"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/walnut-creek-ca-8082/john-assily/",
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Walnut Creek, CA",
        "CA 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/john-assily-291314",
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        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/walnut-creek-ca-8082/john-assily/"
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      "match_status": "exact",
      "matched_specialties": [
        "fha"
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      "score": 62,
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        "nmls_id": 246757,
        "slug": "gary-forward-246757",
        "full_name": "Gary Forward",
        "canonical_url": "https://lendb.ai/lo/gary-forward-246757",
        "json_url": "https://lendb.ai/lo/gary-forward-246757.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Dana Point",
          "state": "CA"
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        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 27,
        "lender_profile_url": "https://www.apmortgage.com/gary-forward",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Dana Point, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gary-forward-246757",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/gary-forward"
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      "matched_specialties": [
        "fha"
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      "unconfirmed_specialties": []
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      "rank": 5,
      "score": 62,
      "loan_officer": {
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        "slug": "patty-grissom-350159",
        "full_name": "Patty Grissom",
        "canonical_url": "https://lendb.ai/lo/patty-grissom-350159",
        "json_url": "https://lendb.ai/lo/patty-grissom-350159.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Fresno",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html",
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      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Fresno, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 18 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/patty-grissom-350159",
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        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html"
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        "canonical_url": "https://lendb.ai/lo/douglas-reese-86512",
        "json_url": "https://lendb.ai/lo/douglas-reese-86512.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "IN",
          "KS",
          "MN",
          "MT",
          "NV",
          "NY",
          "OH",
          "OR",
          "TN",
          "TX",
          "WA",
          "WI",
          "WV"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "heloc",
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          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2146/douglas-reese/",
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        "Earliest state license record: February 22, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/cleveland-oh-2146/douglas-reese/"
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      "score": 59.8,
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        "slug": "steve-lee-272302",
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        "canonical_url": "https://lendb.ai/lo/steve-lee-272302",
        "json_url": "https://lendb.ai/lo/steve-lee-272302.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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        "licensed_states": [
          "CA",
          "NV"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2024-10-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
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        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-3493/steve-lee/",
        "disciplinary_check": "not_checked"
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        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 4, 2024 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steve-lee-272302",
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        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/henderson-nv-3493/steve-lee/"
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      "score": 59.8,
      "loan_officer": {
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        "slug": "michael-lee-mcchristian-288571",
        "full_name": "Michael Lee Mcchristian",
        "canonical_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571",
        "json_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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        "branch": {
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          "state": "CA"
        },
        "licensed_states": [
          "CA"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 26,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in California",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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      "score": 59.8,
      "loan_officer": {
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        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
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          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
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          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
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          {
            "state": "ME",
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            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "OH",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
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            "state": "SD",
            "confidence": "lender_reported"
          },
          {
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          "state": "FL"
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        "Earliest state license record: February 13, 2020 (Florida), per state regulator",
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          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
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          "CO",
          "PA",
          "AL",
          "AR",
          "CA",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NV",
          "OH",
          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WV"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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}