{
  "canonical_url": "https://lendb.ai/lang/pa/california",
  "summary": "As of 2026-10-24, LenDb lists 14 loan officers licensed in or based in California whose lender pages say they speak Punjabi. The top-ranked are Deepak Ahlawat (Loan Factory), Avi Sondhi (Residential Wholesale Mortgage, Inc., Fairfield) and Satish K Dadral (Wells Fargo Home Mortgage, Los Altos). 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": "pa",
  "state": "CA",
  "total": 14,
  "last_verified": "2026-10-24",
  "results": [
    {
      "rank": 1,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 2787890,
        "slug": "deepak-ahlawat-2787890",
        "full_name": "Deepak Ahlawat",
        "canonical_url": "https://lendb.ai/lo/deepak-ahlawat-2787890",
        "json_url": "https://lendb.ai/lo/deepak-ahlawat-2787890.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/n0qVeI1vvBEVWgzLEcODHMJ6-p8nEE4hbPWSYjUJWILY7jsGgug8ojCLAJvTYMfWYifO2s5-A9kurQ3eOAkCEKO3sj7wBLGnTGLKcg",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/deepak-ahlawat-2787890",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 02260381), verified 2026-10-24",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/deepak-ahlawat-2787890",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02260381), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 2,
      "score": 44.5,
      "loan_officer": {
        "nmls_id": 310675,
        "slug": "avi-sondhi-310675",
        "full_name": "Avi Sondhi",
        "licensed_names": [
          {
            "name": "Avinash Sondhi",
            "name_with_middle_initial": "Avinash K. Sondhi",
            "first_name": "Avinash",
            "middle_initial": "K",
            "last_name": "Sondhi",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/avi-sondhi-310675",
        "json_url": "https://lendb.ai/lo/avi-sondhi-310675.json",
        "lender": {
          "nmls_id": 79445,
          "name": "Residential Wholesale Mortgage, Inc.",
          "slug": "residential-wholesale-mortgage-inc-79445",
          "canonical_url": "https://lendb.ai/lender/residential-wholesale-mortgage-inc-79445",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfield",
          "state": "CA"
        },
        "headshot_url": "https://rwmloans.com/wp-content/uploads/2026/04/Avi-Sondhi-WBG-500x500-1.webp",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-01-11",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CA"
        },
        "years_experience": 18,
        "lender_profile_url": "https://rwmloans.com/avi-sondhi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-21)",
        "Office in Fairfield, CA",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC310675), verified 2026-10-24",
        "Earliest state license record: January 11, 2011 (California), per state regulator",
        "States 18 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/avi-sondhi-310675",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC310675), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 3,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 450886,
        "slug": "satish-k-dadral-450886",
        "full_name": "Satish K Dadral",
        "canonical_url": "https://lendb.ai/lo/satish-k-dadral-450886",
        "json_url": "https://lendb.ai/lo/satish-k-dadral-450886.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/LjKCsXPpiipdCwBozq7XnGc_0OP2a_ZP4B22V7h8QEE/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/ca/los-altos/satish-dadral",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (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",
        "States 20 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/satish-k-dadral-450886",
      "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": 39.8,
      "loan_officer": {
        "nmls_id": 1875269,
        "slug": "amardeep-sandhu-1875269",
        "full_name": "Amardeep Sandhu",
        "licensed_names": [
          {
            "name": "Amardeep Sandhu",
            "name_with_middle_initial": "Amardeep S. Sandhu",
            "first_name": "Amardeep",
            "middle_initial": "S",
            "last_name": "Sandhu",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-15"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/amardeep-sandhu-1875269",
        "json_url": "https://lendb.ai/lo/amardeep-sandhu-1875269.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/xivN_71NWsk57mZktmavvPiErBJZ-QcAJrhffCrNRLVmsvAwWkv5gDgIrkihjZEiwn3RluLDDk1WnWmQRLzjXtd1QRM00jbRht69wg",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/amardeep-sandhu-1875269",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 02025276), verified 2026-10-24",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/amardeep-sandhu-1875269",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02025276), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 5,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 1691734,
        "slug": "nitin-juneja-1691734",
        "full_name": "Neil Juneja",
        "canonical_url": "https://lendb.ai/lo/nitin-juneja-1691734",
        "json_url": "https://lendb.ai/lo/nitin-juneja-1691734.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/KMo8kFoTLAaAwfyKL6KdlYcawKXRK5k597cDMVP_EiKyJXIQRvGi5iQp5ZCCL9X5IHsVddZk84bfJpS5vDSvL3tD_MMv68slikI",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "TX",
          "IL"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-03-01",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/neil-juneja-1691734",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 02050981), verified 2026-10-24",
        "Earliest state license record: March 1, 2018 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nitin-juneja-1691734",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02050981), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 6,
      "score": 38.5,
      "loan_officer": {
        "nmls_id": 957077,
        "slug": "meeta-singh-957077",
        "full_name": "Meeta Singh",
        "canonical_url": "https://lendb.ai/lo/meeta-singh-957077",
        "json_url": "https://lendb.ai/lo/meeta-singh-957077.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/rk318D_mb54Z51tGEAPD_LjiTafe7vpJIqlaCe9aXRygnD4Q8JAcJe0j4d3Ow_YgkWiMNbQdCCkKO2AD5LiR0mQ-rGue8A3B28fU",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-11-19",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2020,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/meeta-singh-957077",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI957077), verified 2026-10-24",
        "Earliest state license record: November 19, 2020 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/meeta-singh-957077",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI957077), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 7,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 1189737,
        "slug": "manjit-singh-1189737",
        "full_name": "Manjit Singh",
        "canonical_url": "https://lendb.ai/lo/manjit-singh-1189737",
        "json_url": "https://lendb.ai/lo/manjit-singh-1189737.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/W0kNI8Gvi8IBYBBfQrjieRK6auRwFGJQ3TS7YR44Ehb2d-B2I0a3eRYJyL5b1AW5MBK9yXqyj93FP7HrrOxlVBvkz-2rGj9ZU2NW",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-10-24",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/manjit-singh-1189737",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 01358148), verified 2026-10-24",
        "Earliest state license record: October 24, 2022 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/manjit-singh-1189737",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01358148), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 8,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 2603295,
        "slug": "bhavin-l-2603295",
        "full_name": "Bhavin L",
        "canonical_url": "https://lendb.ai/lo/bhavin-l-2603295",
        "json_url": "https://lendb.ai/lo/bhavin-l-2603295.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/oTiZCVWoYpaqcnVcz8gjLqsbXc6tBxaRb6rz3vLXaMx1Os7fPzjv7fdl0Mo0yRoHhT14t_EH0-MkGGfhD36uvLTEO23D9tL43zJT",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi",
          "mr",
          "pa"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-01-09",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/bhavin-l-2603295",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2603295), verified 2026-10-24",
        "Earliest state license record: January 9, 2025 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/bhavin-l-2603295",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2603295), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 9,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 1134740,
        "slug": "harpreet-kaur-1134740",
        "full_name": "Harpreet Kaur",
        "canonical_url": "https://lendb.ai/lo/harpreet-kaur-1134740",
        "json_url": "https://lendb.ai/lo/harpreet-kaur-1134740.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/uCavd761DdI63eIfXoYQTV9obIYK_-UF3wJvHn-wUgP4cOVHJsvKlE1IC-R4jiy0cY2v69OgYVB0-ggJuBqr4RiqhfSGiL_f0Es",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "IN",
          "OR",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
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