{
  "canonical_url": "https://lendb.ai/lang/ar/california",
  "summary": "As of 2026-10-26, LenDb lists 12 loan officers licensed in or based in California whose lender pages say they speak Arabic. The top-ranked are Simon Atik (Guaranteed Rate Affinity, LLC, Los Angeles), Moe Hassan (Lendwise Mortgage, Inc., Woodland Hills) and Hamde Farha (Loan Factory). Ranking is lender-neutral: a license in CA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "ar",
  "state": "CA",
  "total": 12,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "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 Arabic (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": 2,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 1651721,
        "slug": "mohamed-hassan-1651721",
        "full_name": "Moe Hassan",
        "canonical_url": "https://lendb.ai/lo/mohamed-hassan-1651721",
        "json_url": "https://lendb.ai/lo/mohamed-hassan-1651721.json",
        "lender": {
          "nmls_id": 2702455,
          "name": "Lendwise Mortgage, Inc.",
          "slug": "lendwise-mortgage-inc-2702455",
          "canonical_url": "https://lendb.ai/lender/lendwise-mortgage-inc-2702455",
          "type": "imb"
        },
        "branch": {
          "city": "Woodland Hills",
          "state": "CA"
        },
        "headshot_url": "https://tpwubhqakasyvijikbmv.supabase.co/storage/v1/object/public/profile-images/09a8e913-3cd2-4a61-80b6-a3920b81d51e/facial_1777931018742.jpg",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://lendwisemtg.com/loan-officers/moe-hassan",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-26)",
        "Office in Woodland Hills, CA",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 01791947), verified 2026-10-24",
        "States 21 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/mohamed-hassan-1651721",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01791947), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 3,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 2146456,
        "slug": "hamde-farha-2146456",
        "full_name": "Hamde Farha",
        "licensed_names": [
          {
            "name": "Hamde Farha",
            "name_with_middle_initial": "Hamde I. Farha",
            "first_name": "Hamde",
            "middle_initial": "I",
            "last_name": "Farha",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/hamde-farha-2146456",
        "json_url": "https://lendb.ai/lo/hamde-farha-2146456.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/fUr9XGisT6T74ADyGk5fGX-a14xzuxeSpo70Xz9MUROIk6Xu2PziK2ZPeuHHzGPr8VtjD_OOMdfcGjXnA4T-gVxuCmM8t2D8O9zF7g",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-10",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CA"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/hamde-farha-2146456",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2146456), verified 2026-10-24",
        "Earliest state license record: August 10, 2021 (California), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hamde-farha-2146456",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2146456), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 4,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 484843,
        "slug": "robby-noueihed-484843",
        "full_name": "Robby Noueihed",
        "canonical_url": "https://lendb.ai/lo/robby-noueihed-484843",
        "json_url": "https://lendb.ai/lo/robby-noueihed-484843.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": "Northridge",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/qs3DUE7eroX1VQehKtq7dr7OJWbNxieXY6fEmhgn7ro/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 16,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/northridge/19500-plummer-st-ste-g1-hla-484843",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Northridge, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/robby-noueihed-484843",
      "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": 38,
      "loan_officer": {
        "nmls_id": 2236557,
        "slug": "jak-ataalla-2236557",
        "full_name": "Jak Ataalla",
        "licensed_names": [
          {
            "name": "Jak Ataalla",
            "name_with_middle_initial": "Jak R. Ataalla",
            "first_name": "Jak",
            "middle_initial": "R",
            "last_name": "Ataalla",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jak-ataalla-2236557",
        "json_url": "https://lendb.ai/lo/jak-ataalla-2236557.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/FxfzY2avVI_h7GCvr1RHSZE7CyNc8IW3sCtdvhVzD19ZiEAjROiVLsWJZi3jWtVZovR4Qj7P1N9QgncBz8FNIRPbaweyl2vq4rx_",
        "licensed_states": [
          "CA",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-04-13",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jak-ataalla-2236557",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2236557), verified 2026-10-24",
        "Earliest state license record: April 13, 2022 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jak-ataalla-2236557",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2236557), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 6,
      "score": 37,
      "loan_officer": {
        "nmls_id": 2069924,
        "slug": "ihsan-hourani-2069924",
        "full_name": "Sam Hourani",
        "canonical_url": "https://lendb.ai/lo/ihsan-hourani-2069924",
        "json_url": "https://lendb.ai/lo/ihsan-hourani-2069924.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Westminster",
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/DzQHPo0A9gzqkHS7DYvkabb9iovmU7UDpr8kg8pYiBYY9_cR8t24O65Zy8KgRhqrnCR9QAfh7VVBqoIN_En93-s3hxaZ2W6mRa3G",
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-06-09",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sam-hourani-2069924",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "Office in Westminster, CA",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2069924), verified 2026-10-24",
        "Earliest state license record: June 9, 2022 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ihsan-hourani-2069924",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2069924), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 7,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 2379827,
        "slug": "philip-doos-2379827",
        "full_name": "Philip Doos",
        "licensed_names": [
          {
            "name": "Philipe Doos",
            "name_with_middle_initial": null,
            "first_name": "Philipe",
            "middle_initial": null,
            "last_name": "Doos",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/philip-doos-2379827",
        "json_url": "https://lendb.ai/lo/philip-doos-2379827.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/6MMjCIx0f2qNloWnoIU6XR_PBKPy8sBvTJOluvRZ4KQEyER3XahAjPbbh310DRoVzUMQCAqYlkKcqtNxYyqU_CZ3CivCf2f7AEkt",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-02-05",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/philip-doos-2379827",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2379827), verified 2026-10-24",
        "Earliest state license record: February 5, 2024 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/philip-doos-2379827",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2379827), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 8,
      "score": 31,
      "loan_officer": {
        "nmls_id": 755555,
        "slug": "fatima-elzahraa-elabd-755555",
        "full_name": "Fatima Elzahraa Elabd",
        "canonical_url": "https://lendb.ai/lo/fatima-elzahraa-elabd-755555",
        "json_url": "https://lendb.ai/lo/fatima-elzahraa-elabd-755555.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": "Moreno Valley",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/zP1andgvaiRDcpTXPPzj_7khNwcmum9502gokFU14TA/334x500.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
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}