Languages · California
Russian-speaking loan officers in California
As of 2026-10-24, LenDb lists 8 loan officers licensed in or based in California whose lender pages say they speak Russian. The top-ranked are Valentina Gershunoff (Orange County's Credit Union, Santa Ana), Kristina Melnik (Churchill Mortgage, Roseville) and Julia Perstin (Bank of America, Northridge). 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.
Last verified . Sources: loan officers' own lender pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 8
- 1
Valentina GershunoffNMLS 439291
Orange County's Credit Union · Credit union · Santa Ana, CA
- Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Russian (lender page, verified 2026-10-16)
- Office in Santa Ana, CA
- States 15 years of experience (lender page, 2026-10-16)
- 2
Kristina MelnikNMLS 2316172
Churchill Mortgage · Roseville, CA · licensed in 6 states
- FHA loan
- Real estate investor
- VA loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2316172), verified 2026-10-24
- Speaks Russian (lender page, verified 2026-10-20)
- Office in Roseville, CA
- Earliest state license record: August 3, 2022 (California), per state regulator
- 3
Julia PerstinNMLS 1186821
Bank of America · Bank · Northridge, CA
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Russian (lender page, verified 2026-10-19)
- Office in Northridge, CA
- Earliest state license record: May 22, 2014 (Wisconsin), per state regulator
- 4
Mila IoffeNMLS 1415622
Bank of America · Bank · Pleasant Hill, CA
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Russian (lender page, verified 2026-10-19)
- Office in Pleasant Hill, CA
- States 11 years of experience (lender page, 2026-10-19)
- 5
Sergiy KuzinNMLS 2835599
Loan Factory · Mortgage broker · California
- ✓Licensed in CA: confirmed with the California Department of Real Estate (license 02448042), verified 2026-10-24
- Speaks Russian (lender page, verified 2026-10-09)
- Office in California
- Earliest state license record: June 27, 2026 (California), per state regulator
- 6
Kirill KizyukNMLS 396123
Loan Factory · Mortgage broker · California
- ✓Licensed in CA: confirmed with the California Department of Real Estate (license 01442158), verified 2026-10-24
- Speaks Russian (lender page, verified 2026-10-09)
- Office in California
- 7
Lily FrenkelNMLS 459993
Wells Fargo Home Mortgage · Bank · San Jose, CA
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Russian (lender page, verified 2026-10-19)
- Office in San Jose, CA
- 8
Ilona KondratyukNMLS 2068590
Bank of America · Bank · El Dorado Hills, CA
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Russian (lender page, verified 2026-10-19)
- Office in El Dorado Hills, CA
How this list is ranked
A loan officer is listed when their own lender page lists Russian. Loan officers are included when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience and profile completeness. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?lang=ru&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.