{ "canonical_url": "https://lendb.ai/lang/es/california", "summary": "As of 2026-10-26, LenDb lists 226 loan officers licensed in or based in California whose lender pages say they speak Spanish. The top-ranked are Delmy Steward (CMG Home Loans, Brentwood), Jean Adams (CrossCountry Mortgage, Santa Cruz) and Diana Gudino-Criswell (CrossCountry Mortgage, Manteca). 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": "es", "state": "CA", "total": 226, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 46.3, "loan_officer": { "nmls_id": 231410, "slug": "delmy-steward-231410", "full_name": "Delmy Steward", "licensed_names": [ { "name": "Delmy Steward", "name_with_middle_initial": "Delmy A. Steward", "first_name": "Delmy", "middle_initial": "A", "last_name": "Steward", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/delmy-steward-231410", "json_url": "https://lendb.ai/lo/delmy-steward-231410.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Brentwood", "state": "CA" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/delmy-steward.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-06-09", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 24, "lender_profile_url": "https://www.cmghomeloans.com/mysite/delmy-steward", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Brentwood, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC231410), verified 2026-10-24", "Earliest state license record: June 9, 2010 (California), per state regulator", "States 24 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/delmy-steward-231410", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC231410), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 2, "score": 46.3, "loan_officer": { "nmls_id": 254384, "slug": "jean-adams-254384", "full_name": "Jean Adams", "licensed_names": [ { "name": "Jean Adams", "name_with_middle_initial": "Jean P. Adams", "first_name": "Jean", "middle_initial": "P", "last_name": "Adams", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/jean-adams-254384", "json_url": "https://lendb.ai/lo/jean-adams-254384.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Santa Cruz", "state": "CA" }, "headshot_url": "https://thevault.ccm.com/m/348d273324510963/Website-8048_Adams_254384.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-02-20", "state": "CA" }, "licensed_since": { "year": 2013, "state": "CA" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/santa-cruz-ca-8048/jean-adams/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "Office in Santa Cruz, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC254384), verified 2026-10-24", "Earliest state license record: February 20, 2013 (California), per state regulator", "States 30 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/jean-adams-254384", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC254384), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 3, "score": 46.3, "loan_officer": { "nmls_id": 1112409, "slug": "diana-gudino-criswell-1112409", "full_name": "Diana Gudino-Criswell", "licensed_names": [ { "name": "Diana Gudino-Criswell", "name_with_middle_initial": "Diana A. Gudino-Criswell", "first_name": "Diana", "middle_initial": "A", "last_name": "Gudino-Criswell", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/diana-gudino-criswell-1112409", "json_url": "https://lendb.ai/lo/diana-gudino-criswell-1112409.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Manteca", "state": "CA" }, "headshot_url": "https://thevault.ccm.com/asset/8566af03-1f86-4cc1-a26f-7e0dbccd5536/Website/5354_Gudino-Criswell_111240.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "investor", "jumbo", "physician", "renovation", "reverse", "rural", "self-employed" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-04-08", "state": "CA" }, "licensed_since": { "year": 2016, "state": "CA" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/manteca-ca-5354/diana-gudino-criswell/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Manteca, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1112409), verified 2026-10-24", "Earliest state license record: April 8, 2016 (California), per state regulator", "States 25 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/diana-gudino-criswell-1112409", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1112409), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 4, "score": 46, "loan_officer": { "nmls_id": 350159, "slug": "patty-grissom-350159", "full_name": "Patty Grissom", "licensed_names": [ { "name": "Patricia Grissom", "name_with_middle_initial": null, "first_name": "Patricia", "middle_initial": null, "last_name": "Grissom", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "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", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Fresno", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ckpg-patty-grissom.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-02-10", "state": "CA" }, "licensed_since": { "year": 2017, "state": "CA" }, "years_experience": 18, "lender_profile_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Fresno, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO350159), verified 2026-10-24", "Earliest state license record: February 10, 2017 (California), per state regulator", "States 18 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/patty-grissom-350159", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO350159), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 5, "score": 46, "loan_officer": { "nmls_id": 1526909, "slug": "irma-arteaga-1526909", "full_name": "Irma Arteaga", "licensed_names": [ { "name": "Irma Arteaga", "name_with_middle_initial": "Irma M. Arteaga", "first_name": "Irma", "middle_initial": "M", "last_name": "Arteaga", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/irma-arteaga-1526909", "json_url": "https://lendb.ai/lo/irma-arteaga-1526909.json", "lender": { "nmls_id": 1124061, "name": "Lower", "slug": "lower-1124061", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Valencia", "state": "CA" }, "headshot_url": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-irma-arteaga-3.jpg?quality=80&format=webp&width=800&height=800&name=lo-irma-arteaga-3.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "investor", "jumbo", "non-qm", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-07-25", "state": "CA" }, "licensed_since": { "year": 2023, "state": "CA" }, "years_experience": 25, "lender_profile_url": "https://www.lower.com/loan-officers/california/santa-clarita-valley/irma-arteaga", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-10)", "Office in Valencia, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI1526909), verified 2026-10-24", "Earliest state license record: July 25, 2023 (California), per state regulator", "States 25 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/irma-arteaga-1526909", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI1526909), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 6, "score": 46, "loan_officer": { "nmls_id": 1987734, "slug": "esperanza-alvarez-1987734", "full_name": "Esperanza Alvarez", "licensed_names": [ { "name": "Esperanza Alvarez-Cardenas", "name_with_middle_initial": null, "first_name": "Esperanza", "middle_initial": null, "last_name": "Alvarez-Cardenas", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-15" } ], "canonical_url": "https://lendb.ai/lo/esperanza-alvarez-1987734", "json_url": "https://lendb.ai/lo/esperanza-alvarez-1987734.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/UGcVrhLnGQxiGD6yIV3L1jWC0oP3Lq2DQ_GVtbqXep902-CXHHArFcv_HXHYjrhuOJuPJFqKFeLCwrHRBWH5eke6IfD9-c9xZ56akw", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/esperanza-alvarez-1987734", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Real Estate (license 01073604), verified 2026-10-24", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/esperanza-alvarez-1987734", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01073604), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 7, "score": 45.8, "loan_officer": { "nmls_id": 288519, "slug": "ivonne-jimenez-ocampo-288519", "full_name": "Ivonne Jimenez Ocampo", "canonical_url": "https://lendb.ai/lo/ivonne-jimenez-ocampo-288519", "json_url": "https://lendb.ai/lo/ivonne-jimenez-ocampo-288519.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/kmij-ivonne-jimenez-ocampo.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-05-30", "state": "CA" }, "licensed_since": { "year": 2018, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/ivonne-jimenez-ocampo-408-kmij.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in San Diego, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO288519), verified 2026-10-24", "Earliest state license record: May 30, 2018 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/ivonne-jimenez-ocampo-288519", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO288519), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 8, "score": 45.8, "loan_officer": { "nmls_id": 453621, "slug": "marco-guerra-453621", "full_name": "Marco Guerra", "licensed_names": [ { "name": "Marco Guerra", "name_with_middle_initial": "Marco A. Guerra", "first_name": "Marco", "middle_initial": "A", "last_name": "Guerra", "states": [ "AR", "CA", "DE", "FL", "MO", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/marco-guerra-453621", "json_url": "https://lendb.ai/lo/marco-guerra-453621.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Santa Rosa", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ckmgu-marco-guerra.jpg", "licensed_states": [ "FL", "AL", "AR", "CA", "DE", "GA", "ID", "IL", "KY", "LA", "MO", "TX", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-12-08", "state": "CA" }, "licensed_since": { "year": 2014, "state": "CA" }, "years_experience": 32, "lender_profile_url": "https://branches.guildmortgage.com/ca/santarosa/marco-guerra-440-ckmgu.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Santa Rosa, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO453621), verified 2026-10-24", "Earliest state license record: December 8, 2014 (California), per state regulator", "States 32 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/marco-guerra-453621", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO453621), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 9, "score": 45.8, "loan_officer": { "nmls_id": 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