{
  "canonical_url": "https://lendb.ai/lang/de/california",
  "summary": "As of 2026-10-26, LenDb lists 4 loan officers licensed in or based in California whose lender pages say they speak German. The top-ranked are Michael Tietz (JPMorgan Chase Bank (Chase Home Lending), San Diego), Arthur Biancone (JPMorgan Chase Bank (Chase Home Lending), Santa Barbara) and James Andrew Kay (Wells Fargo Home Mortgage, El Segundo). 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": "de",
  "state": "CA",
  "total": 4,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 53715,
        "slug": "michael-tietz-53715",
        "full_name": "Michael Tietz",
        "canonical_url": "https://lendb.ai/lo/michael-tietz-53715",
        "json_url": "https://lendb.ai/lo/michael-tietz-53715.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": "San Diego",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/mPEGuCpxfJzgizY3o3HFuuG1sMqiTBnWO4KJc8eNZaA/669x1002.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-11-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 29,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/4111-governor-dr-hla-53715",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-26)",
        "Office in San Diego, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: November 29, 2017 (Florida), per state regulator",
        "States 29 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-tietz-53715",
      "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": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 39,
      "loan_officer": {
        "nmls_id": 668396,
        "slug": "arthur-biancone-668396",
        "full_name": "Arthur Biancone",
        "canonical_url": "https://lendb.ai/lo/arthur-biancone-668396",
        "json_url": "https://lendb.ai/lo/arthur-biancone-668396.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Santa Barbara",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/qgycKmHegYMwdewTcOfPDpWaorc6LinmKNPQmA5CZTM/3288x4925.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de",
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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/santa-barbara/1302-state-st-hla-668396",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-19)",
        "Office in Santa Barbara, 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/arthur-biancone-668396",
      "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": 3,
      "score": 30.5,
      "loan_officer": {
        "nmls_id": 485551,
        "slug": "james-andrew-kay-485551",
        "full_name": "James Andrew Kay",
        "canonical_url": "https://lendb.ai/lo/james-andrew-kay-485551",
        "json_url": "https://lendb.ai/lo/james-andrew-kay-485551.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "slug": "wells-fargo-399801",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "El Segundo",
          "state": "CA"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/2d4aVJOVT7HOCE0st7myRenfNwN6BPjoAx6SBsD3VSo/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/ca/el-segundo/james",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-19)",
        "Office in El Segundo, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/james-andrew-kay-485551",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "score": 30.3,
      "loan_officer": {
        "nmls_id": 2236254,
        "slug": "hamidreza-kamran-zare-2236254",
        "full_name": "Hamidreza (Kamran) Zare",
        "canonical_url": "https://lendb.ai/lo/hamidreza-kamran-zare-2236254",
        "json_url": "https://lendb.ai/lo/hamidreza-kamran-zare-2236254.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": "Menlo Park",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/07DfWOP4iZJjyuQI2WQpiv0Y47NKO_1tZypVxEkaPeg/621x931.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de"
        ],
        "specialties": [
          {
            "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": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/menlo-park/650-santa-cruz-ave-hla-2236254",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-19)",
        "Office in Menlo Park, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/hamidreza-kamran-zare-2236254",
      "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
      }
    }
  ]
}