---
canonical_url: https://lendb.ai/lang/ru/california
last_verified: 2026-10-24
---

# 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.

## Ranked, with reasons

1. **[Valentina Gershunoff](https://lendb.ai/lo/valentina-gershunoff-439291)** (NMLS 439291), Orange County's Credit Union, Santa Ana, CA
   - Speaks Russian (lender page, verified 2026-10-16)
   - Office in Santa Ana, CA
   - Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 15 years of experience (lender page, 2026-10-16)
2. **[Kristina Melnik](https://lendb.ai/lo/kvitoslava-melnik-2316172)** (NMLS 2316172), Churchill Mortgage, Roseville, CA
   - Speaks Russian (lender page, verified 2026-10-20)
   - Office in Roseville, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2316172), verified 2026-10-24
   - Earliest state license record: August 3, 2022 (California), per state regulator
3. **[Julia Perstin](https://lendb.ai/lo/julia-perstin-1186821)** (NMLS 1186821), Bank of America, Northridge, CA
   - Speaks Russian (lender page, verified 2026-10-19)
   - Office in Northridge, CA
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: May 22, 2014 (Wisconsin), per state regulator
4. **[Mila Ioffe](https://lendb.ai/lo/mila-ioffe-1415622)** (NMLS 1415622), Bank of America, Pleasant Hill, CA
   - Speaks Russian (lender page, verified 2026-10-19)
   - Office in Pleasant Hill, CA
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 11 years of experience (lender page, 2026-10-19)
5. **[Sergiy Kuzin](https://lendb.ai/lo/sergiy-kuzin-2835599)** (NMLS 2835599), Loan Factory, CA
   - Speaks Russian (lender page, verified 2026-10-09)
   - Office in California
   - Licensed in CA: confirmed with the California Department of Real Estate (license 02448042), verified 2026-10-24
   - Earliest state license record: June 27, 2026 (California), per state regulator
6. **[Kirill Kizyuk](https://lendb.ai/lo/kirill-kizyuk-396123)** (NMLS 396123), Loan Factory, CA
   - Speaks Russian (lender page, verified 2026-10-09)
   - Office in California
   - Licensed in CA: confirmed with the California Department of Real Estate (license 01442158), verified 2026-10-24
7. **[Lily Frenkel](https://lendb.ai/lo/lily-frenkel-459993)** (NMLS 459993), Wells Fargo Home Mortgage, San Jose, CA
   - Speaks Russian (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
8. **[Ilona Kondratyuk](https://lendb.ai/lo/ilona-kondratyuk-2068590)** (NMLS 2068590), Bank of America, El Dorado Hills, CA
   - Speaks Russian (lender page, verified 2026-10-19)
   - Office in El Dorado Hills, 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/ru/california.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._