{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=va&state=CA",
  "filters": {
    "specialty": [
      "va"
    ],
    "state": "CA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
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        "slug": "tonda-herndon-214647",
        "full_name": "Tonda Herndon",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Vacaville",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
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            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "licensed_since": null,
        "years_experience": 28,
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "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)"
      ],
      "canonical_url": "https://lendb.ai/lo/tonda-herndon-214647",
      "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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
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      "rank": 2,
      "score": 62.8,
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        "canonical_url": "https://lendb.ai/lo/steven-peter-mingham-jr-289586",
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          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA",
          "ID",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2022-02-15",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/pete-mingham-141-nkpm.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-peter-mingham-jr-289586",
      "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://branches.guildmortgage.com/ca/walnutcreek/pete-mingham-141-nkpm.html"
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        "va"
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      "unconfirmed_specialties": []
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      "rank": 3,
      "score": 62.8,
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        "nmls_id": 291314,
        "slug": "john-assily-291314",
        "full_name": "John Assily",
        "canonical_url": "https://lendb.ai/lo/john-assily-291314",
        "json_url": "https://lendb.ai/lo/john-assily-291314.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA 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",
      "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/walnut-creek-ca-8082/john-assily/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
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      "rank": 4,
      "score": 62.8,
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        "nmls_id": 395360,
        "slug": "eric-whitcomb-395360",
        "full_name": "Eric Whitcomb",
        "canonical_url": "https://lendb.ai/lo/eric-whitcomb-395360",
        "json_url": "https://lendb.ai/lo/eric-whitcomb-395360.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cypress",
          "state": "CA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "TN"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/cypress-ca-4041/eric-whitcomb/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Cypress, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-whitcomb-395360",
      "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/cypress-ca-4041/eric-whitcomb/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
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      "unconfirmed_specialties": []
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      "rank": 5,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 1734139,
        "slug": "joe-pereira-1734139",
        "full_name": "Joe Pereira",
        "canonical_url": "https://lendb.ai/lo/joe-pereira-1734139",
        "json_url": "https://lendb.ai/lo/joe-pereira-1734139.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
          "type": "broker"
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        "branch": {
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          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/jpereira/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA 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 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-pereira-1734139",
      "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://c2financial.com/find-a-loan-officer/jpereira/"
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      "score": 62,
      "loan_officer": {
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        "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"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "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",
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      "reasons": [
        "Lists VA 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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      "match_status": "exact",
      "matched_specialties": [
        "va"
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      "score": 62,
      "loan_officer": {
        "nmls_id": 308099,
        "slug": "gordon-weichler-308099",
        "full_name": "Gordon Weichler",
        "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099",
        "json_url": "https://lendb.ai/lo/gordon-weichler-308099.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
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        "licensed_states": [
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/gordon-weichler",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Roseville, 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/gordon-weichler-308099",
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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://www.apmortgage.com/gordon-weichler"
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      "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/patty-grissom-350159",
      "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://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
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    {
      "rank": 9,
      "score": 61,
      "loan_officer": {
        "nmls_id": 344828,
        "slug": "maria-lerma-344828",
        "full_name": "Maria Lerma",
        "canonical_url": "https://lendb.ai/lo/maria-lerma-344828",
        "json_url": "https://lendb.ai/lo/maria-lerma-344828.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/walnut-creek-ca-3295/maria-lerma/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA 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 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/maria-lerma-344828",
      "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/walnut-creek-ca-3295/maria-lerma/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 244787,
        "slug": "lupe-beltran-244787",
        "full_name": "Lupe Beltran",
        "canonical_url": "https://lendb.ai/lo/lupe-beltran-244787",
        "json_url": "https://lendb.ai/lo/lupe-beltran-244787.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Santa Maria",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/santamaria/lu-beltran-534-hdlb.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Santa Maria, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lupe-beltran-244787",
      "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://branches.guildmortgage.com/ca/santamaria/lu-beltran-534-hdlb.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    }
  ]
}