{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=usda&state=CA",
  "filters": {
    "specialty": [
      "usda"
    ],
    "state": "CA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
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        "slug": "kurt-r-kessler-365130",
        "full_name": "Kurt R Kessler",
        "canonical_url": "https://lendb.ai/lo/kurt-r-kessler-365130",
        "json_url": "https://lendb.ai/lo/kurt-r-kessler-365130.json",
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          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Carlsbad",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 2,
      "score": 57.8,
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        "slug": "tera-greene-304548",
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        "json_url": "https://lendb.ai/lo/tera-greene-304548.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Yuma",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/yuma-az-4633/tera-greene/"
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      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 3,
      "score": 54.8,
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        "slug": "patrick-mccabe-463470",
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        "json_url": "https://lendb.ai/lo/patrick-mccabe-463470.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4927/patrick-mccabe/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-mccabe-463470"
    },
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      "rank": 4,
      "score": 53.8,
      "loan_officer": {
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        "slug": "andrew-schmidt-201143",
        "full_name": "Andrew Schmidt",
        "canonical_url": "https://lendb.ai/lo/andrew-schmidt-201143",
        "json_url": "https://lendb.ai/lo/andrew-schmidt-201143.json",
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "IA",
          "IL",
          "MN",
          "TN",
          "TX"
        ],
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/andrew-schmidt"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-schmidt-201143"
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      "rank": 5,
      "score": 52.8,
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        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
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        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
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          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 6,
      "score": 51.3,
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        "slug": "james-mcmurrey-2302283",
        "full_name": "James McMurrey",
        "canonical_url": "https://lendb.ai/lo/james-mcmurrey-2302283",
        "json_url": "https://lendb.ai/lo/james-mcmurrey-2302283.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lacey",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MN",
          "MT",
          "NC",
          "NM",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA"
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lacey-wa-4767/james-mcmurrey/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
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      "rank": 7,
      "score": 51,
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        "lender": {
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          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
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            "slug": "condo",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        "years_experience": null,
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      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
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      "rank": 8,
      "score": 50.8,
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
          "type": "imb"
        },
        "branch": {
          "city": "Folsom",
          "state": "CA"
        },
        "licensed_states": [
          "CA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/kristinahernandez/"
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        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 9,
      "score": 50.8,
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        "slug": "collin-clifford-1529510",
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        "lender": {
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        },
        "branch": {
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          "state": "CA"
        },
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          "CA",
          "NV",
          "OR"
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        "languages": [],
        "specialties": [
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/cclifford"
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        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "No disciplinary actions on file at LenDb"
      ],
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    },
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      "rank": 10,
      "score": 50.8,
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        "json_url": "https://lendb.ai/lo/terry-marvin-2095803.json",
        "lender": {
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          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Redondo Beach",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/terry-marvin-2095803"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/terry-marvin-2095803"
    }
  ]
}