{
  "canonical_url": "https://lendb.ai/s/asset-based/california",
  "summary": "As of 2026-10-09, LenDb lists 22 loan officers licensed in or based in California whose lender pages show Asset-based qualifying work. The top-ranked are Olivia Cox Paulson (Guild Mortgage, Portland), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Brandon Hansen (Guild Mortgage, Toquerville). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "asset-based",
  "state": "CA",
  "total": 22,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 209281,
        "slug": "olivia-cox-paulson-209281",
        "full_name": "Olivia Cox Paulson",
        "canonical_url": "https://lendb.ai/lo/olivia-cox-paulson-209281",
        "json_url": "https://lendb.ai/lo/olivia-cox-paulson-209281.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "licensed_states": [
          "AL",
          "CA",
          "MN",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/or/portland/olivia-paulson-235-wgop.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/olivia-cox-paulson-209281"
    },
    {
      "rank": 2,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 283559,
        "slug": "brandon-hansen-283559",
        "full_name": "Brandon Hansen",
        "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559",
        "json_url": "https://lendb.ai/lo/brandon-hansen-283559.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Toquerville",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "ID",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559"
    },
    {
      "rank": 4,
      "score": 47.6,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "17 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 5,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 1675909,
        "slug": "evan-souza-1675909",
        "full_name": "Evan Souza",
        "canonical_url": "https://lendb.ai/lo/evan-souza-1675909",
        "json_url": "https://lendb.ai/lo/evan-souza-1675909.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": "Sacramento",
          "state": "CA"
        },
        "licensed_states": [
          "CA",
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/evan-souza",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-souza-1675909"
    },
    {
      "rank": 6,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 2379827,
        "slug": "philip-doos-2379827",
        "full_name": "Philip Doos",
        "canonical_url": "https://lendb.ai/lo/philip-doos-2379827",
        "json_url": "https://lendb.ai/lo/philip-doos-2379827.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/philip-doos-2379827",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California"
      ],
      "canonical_url": "https://lendb.ai/lo/philip-doos-2379827"
    },
    {
      "rank": 7,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 831678,
        "slug": "rachel-stevens-831678",
        "full_name": "Rachel Stevens",
        "canonical_url": "https://lendb.ai/lo/rachel-stevens-831678",
        "json_url": "https://lendb.ai/lo/rachel-stevens-831678.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/rachel-stevens-831678"
    },
    {
      "rank": 8,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 1151654,
        "slug": "samuel-bromley-1151654",
        "full_name": "Sam Bromley",
        "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654",
        "json_url": "https://lendb.ai/lo/samuel-bromley-1151654.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "KS",
          "MN",
          "MO",
          "OR",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/samuel-bromley",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "12 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654"
    },
    {
      "rank": 9,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 190282,
        "slug": "debbi-galvan-190282",
        "full_name": "Debbi Galvan",
        "canonical_url": "https://lendb.ai/lo/debbi-galvan-190282",
        "json_url": "https://lendb.ai/lo/debbi-galvan-190282.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/deborah-galvan",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California"
      ],
      "canonical_url": "https://lendb.ai/lo/debbi-galvan-190282"
    },
    {
      "rank": 10,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 321609,
        "slug": "emilee-key-321609",
        "full_name": "Emilee Key",
        "canonical_url": "https://lendb.ai/lo/emilee-key-321609",
        "json_url": "https://lendb.ai/lo/emilee-key-321609.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
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