{
  "canonical_url": "https://lendb.ai/s/fha/california",
  "summary": "As of 2026-10-09, LenDb lists 863 loan officers licensed in or based in California whose lender pages show FHA loan work. The top-ranked are Tonda Herndon (CrossCountry Mortgage, Vacaville), Troy Bird (Guild Mortgage, Sacramento) and Rita Caruso (Homeowners Financial Group, Discovery Bay). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "CA",
  "total": 863,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 214647,
        "slug": "tonda-herndon-214647",
        "full_name": "Tonda Herndon",
        "canonical_url": "https://lendb.ai/lo/tonda-herndon-214647",
        "json_url": "https://lendb.ai/lo/tonda-herndon-214647.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Vacaville",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 28,
        "lender_profile_url": "https://crosscountrymortgage.com/vacaville-ca-8133/tonda-herndon/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "28 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tonda-herndon-214647"
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 277770,
        "slug": "troy-bird-277770",
        "full_name": "Troy Bird",
        "canonical_url": "https://lendb.ai/lo/troy-bird-277770",
        "json_url": "https://lendb.ai/lo/troy-bird-277770.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Sacramento",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sacramento/troy-bird-589-cktb.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/troy-bird-277770"
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 278812,
        "slug": "rita-caruso-278812",
        "full_name": "Rita Caruso",
        "canonical_url": "https://lendb.ai/lo/rita-caruso-278812",
        "json_url": "https://lendb.ai/lo/rita-caruso-278812.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Discovery Bay",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://homeownersfg.com/ritacaruso/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rita-caruso-278812"
    },
    {
      "rank": 4,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 289586,
        "slug": "steven-peter-mingham-jr-289586",
        "full_name": "Steven Peter Mingham Jr.",
        "canonical_url": "https://lendb.ai/lo/steven-peter-mingham-jr-289586",
        "json_url": "https://lendb.ai/lo/steven-peter-mingham-jr-289586.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA",
          "ID",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/pete-mingham-141-nkpm.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-peter-mingham-jr-289586"
    },
    {
      "rank": 5,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 290286,
        "slug": "charles-david-krauth-290286",
        "full_name": "Charles David Krauth",
        "canonical_url": "https://lendb.ai/lo/charles-david-krauth-290286",
        "json_url": "https://lendb.ai/lo/charles-david-krauth-290286.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/chas-krauth-141-nkck.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-david-krauth-290286"
    },
    {
      "rank": 6,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 291314,
        "slug": "john-assily-291314",
        "full_name": "John Assily",
        "canonical_url": "https://lendb.ai/lo/john-assily-291314",
        "json_url": "https://lendb.ai/lo/john-assily-291314.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/walnut-creek-ca-8082/john-assily/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-assily-291314"
    },
    {
      "rank": 7,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 309803,
        "slug": "rick-bui-309803",
        "full_name": "Rick Bui",
        "canonical_url": "https://lendb.ai/lo/rick-bui-309803",
        "json_url": "https://lendb.ai/lo/rick-bui-309803.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/rick-bui"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rick-bui-309803"
    },
    {
      "rank": 8,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 365130,
        "slug": "kurt-r-kessler-365130",
        "full_name": "Kurt R Kessler",
        "canonical_url": "https://lendb.ai/lo/kurt-r-kessler-365130",
        "json_url": "https://lendb.ai/lo/kurt-r-kessler-365130.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Carlsbad",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "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": 30,
        "lender_profile_url": "https://www.barrettfinancial.com/kurt-r-kessler"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kurt-r-kessler-365130"
    },
    {
      "rank": 9,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 2663278,
        "slug": "beth-flure-2663278",
        "full_name": "Beth Flure",
        "canonical_url": "https://lendb.ai/lo/beth-flure-2663278",
        "json_url": "https://lendb.ai/lo/beth-flure-2663278.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 40,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/beth-flure"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "40 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/beth-flure-2663278"
    },
    {
      "rank": 10,
      "score": 58.2,
      "loan_officer": {
        "nmls_id": 350159,
        "slug": "patty-grissom-350159",
        "full_name": "Patty Grissom",
        "canonical_url": "https://lendb.ai/lo/patty-grissom-350159",
        "json_url": "https://lendb.ai/lo/patty-grissom-350159.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Fresno",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 18,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "18 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patty-grissom-350159"
    },
    {
      "rank": 11,
      "score": 58,
      "loan_officer": {
        "nmls_id": 112112,
        "slug": "susan-munkner-112112",
        "full_name": "Susan Munkner",
        "canonical_url": "https://lendb.ai/lo/susan-munkner-112112",
        "json_url": "https://lendb.ai/lo/susan-munkner-112112.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Fremont",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/fremont/38980-fremont-blvd-hla-112112"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "18 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-munkner-112112"
    },
    {
      "rank": 12,
      "score": 58,
      "loan_officer": {
        "nmls_id": 246757,
        "slug": "gary-forward-246757",
        "full_name": "Gary Forward",
        "canonical_url": "https://lendb.ai/lo/gary-forward-246757",
        "json_url": "https://lendb.ai/lo/gary-forward-246757.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
          "city": "Dana Point",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://www.apmortgage.com/gary-forward"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gary-forward-246757"
    },
    {
      "rank": 13,
      "score": 58,
      "loan_officer": {
        "nmls_id": 1175742,
        "slug": "diana-legaspi-1175742",
        "full_name": "Diana Legaspi",
        "canonical_url": "https://lendb.ai/lo/diana-legaspi-1175742",
        "json_url": "https://lendb.ai/lo/diana-legaspi-1175742.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
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          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/bill-gaylord-483-vgbg.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "33 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603"
    }
  ]
}