{
  "canonical_url": "https://lendb.ai/lang/fr/california",
  "summary": "As of 2026-10-24, LenDb lists 5 loan officers licensed in or based in California whose lender pages say they speak French. The top-ranked are Maryam Sehrgosha (CMG Home Loans, San Ramon), Simon Atik (Guaranteed Rate Affinity, LLC, Los Angeles) and Steven Diec (JPMorgan Chase Bank (Chase Home Lending), Santa Clara). 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": "fr",
  "state": "CA",
  "total": 5,
  "last_verified": "2026-10-24",
  "results": [
    {
      "rank": 1,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 360150,
        "slug": "maryam-sehrgosha-360150",
        "full_name": "Maryam Sehrgosha",
        "canonical_url": "https://lendb.ai/lo/maryam-sehrgosha-360150",
        "json_url": "https://lendb.ai/lo/maryam-sehrgosha-360150.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": "San Ramon",
          "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/maryam-sehrgosha.png",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "fa",
          "fr"
        ],
        "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": "2011-12-05",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/maryam-sehrgosha",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-20)",
        "Office in San Ramon, CA",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC360150), verified 2026-10-24",
        "Earliest state license record: December 5, 2011 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/maryam-sehrgosha-360150",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC360150), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 2,
      "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 French (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": 3,
      "score": 41,
      "loan_officer": {
        "nmls_id": 502350,
        "slug": "steven-diec-502350",
        "full_name": "Steven Diec",
        "licensed_names": [
          {
            "name": "Steven Diec",
            "name_with_middle_initial": "Steven C. Diec",
            "first_name": "Steven",
            "middle_initial": "C",
            "last_name": "Diec",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
        "json_url": "https://lendb.ai/lo/steven-diec-502350.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 Clara",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/j5CKWDozkNp194LUG6m3cvWBxQnRwk8xartVVpQ8MCo/731x1095.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr",
          "vi",
          "zh"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-02-27",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-clara/3057-stevens-creek-blvd-hla-502350",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in Santa Clara, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 27, 2024 (California), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
      "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": 30.5,
      "loan_officer": {
        "nmls_id": 448230,
        "slug": "jerome-sierra-448230",
        "full_name": "Jerome Sierra",
        "canonical_url": "https://lendb.ai/lo/jerome-sierra-448230",
        "json_url": "https://lendb.ai/lo/jerome-sierra-448230.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": "Los Altos",
          "state": "CA"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/Swaiw_SY1XuCE968Fg9Z9splY4j5rSXIBlbrwEPZi_o/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr"
        ],
        "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/los-altos/jerome-sierra",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in Los Altos, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/jerome-sierra-448230",
      "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": 30,
      "loan_officer": {
        "nmls_id": 482409,
        "slug": "cristian-connelly-482409",
        "full_name": "Cristian Connelly",
        "canonical_url": "https://lendb.ai/lo/cristian-connelly-482409",
        "json_url": "https://lendb.ai/lo/cristian-connelly-482409.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "San Francisco",
          "state": "CA"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/3E569AE4-F779-49AE-B833-CBCE0D7BF3F6.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/cristianconnelly",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in San Francisco, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/cristian-connelly-482409",
      "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
      }
    }
  ]
}