--- canonical_url: https://lendb.ai/lang/pa/california last_verified: 2026-10-24 --- # Punjabi-speaking loan officers in California 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. ## Ranked, with reasons 1. **[Deepak Ahlawat](https://lendb.ai/lo/deepak-ahlawat-2787890)** (NMLS 2787890), Loan Factory, CA - 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) 2. **[Avi Sondhi](https://lendb.ai/lo/avi-sondhi-310675)** (NMLS 310675), Residential Wholesale Mortgage, Inc., Fairfield, CA - 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) 3. **[Satish K Dadral](https://lendb.ai/lo/satish-k-dadral-450886)** (NMLS 450886), Wells Fargo Home Mortgage, Los Altos, CA - 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) 4. **[Amardeep Sandhu](https://lendb.ai/lo/amardeep-sandhu-1875269)** (NMLS 1875269), Loan Factory, CA - 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) 5. **[Neil Juneja](https://lendb.ai/lo/nitin-juneja-1691734)** (NMLS 1691734), Loan Factory, CA - 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 6. **[Meeta Singh](https://lendb.ai/lo/meeta-singh-957077)** (NMLS 957077), Loan Factory, CA - 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 7. **[Manjit Singh](https://lendb.ai/lo/manjit-singh-1189737)** (NMLS 1189737), Loan Factory, CA - 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 8. **[Bhavin L](https://lendb.ai/lo/bhavin-l-2603295)** (NMLS 2603295), Loan Factory, CA - 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 9. **[Harpreet Kaur](https://lendb.ai/lo/harpreet-kaur-1134740)** (NMLS 1134740), Loan Factory, CA - Speaks Punjabi (lender page, verified 2026-10-09) - Office in California - Licensed in CA: confirmed with the California Department of Real Estate (license 02191087), verified 2026-10-24 - Earliest state license record: May 21, 2026 (Texas), per state regulator 10. **[G Singh](https://lendb.ai/lo/g-singh-2630768)** (NMLS 2630768), Loan Factory, CA - 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-DFPI2630768), verified 2026-10-24 - Earliest state license record: April 5, 2025 (California), per state regulator 11. **[Sundeep Sarin](https://lendb.ai/lo/sundeep-sarin-2667034)** (NMLS 2667034), Loan Factory, CA - 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-DFPI2667034), verified 2026-10-24 - Earliest state license record: February 3, 2025 (California), per state regulator 12. **[Raj Kainth](https://lendb.ai/lo/raj-kainth-2413498)** (NMLS 2413498), Loan Factory - Speaks Punjabi (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 13. **[Rajiv Kumar Sharma](https://lendb.ai/lo/rajiv-kumar-sharma-473686)** (NMLS 473686), Wells Fargo Home Mortgage, San Jose, CA - Speaks Punjabi (lender page, verified 2026-10-19) - Office in San Jose, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Amitava Chakraborty](https://lendb.ai/lo/amitava-chakraborty-1685660)** (NMLS 1685660), BMO Bank, Fremont, CA - Speaks Punjabi (lender page, verified 2026-10-21) - Office in Fremont, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS Cite as: LenDb.ai, https://lendb.ai/lang/pa/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._