{ "canonical_url": "https://lendb.ai/s/foreign-national/california", "summary": "As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in California whose lender pages show Foreign national work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Vivian Pang (Loan Factory) and Nicole Kwan (CrossCountry Mortgage, Lexington). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "foreign-national", "state": "CA", "total": 8, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "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" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2012 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59, "loan_officer": { "nmls_id": 2012258, "slug": "vivian-pang-2012258", "full_name": "Vivian Pang", "canonical_url": "https://lendb.ai/lo/vivian-pang-2012258", "json_url": "https://lendb.ai/lo/vivian-pang-2012258.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "id", "zh" ], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/vivian-pang-2012258", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 52, "loan_officer": { "nmls_id": 477256, "slug": "nicole-kwan-477256", "full_name": "Nicole Kwan", "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256", "json_url": "https://lendb.ai/lo/nicole-kwan-477256.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "MA" }, "licensed_states": [ "CA", "MA", "ME", "NH", "RI" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "zh" ], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/nicole-kwan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (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)" ], "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/lexington-ma-4841/nicole-kwan/" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 51.8, "loan_officer": { "nmls_id": 995551, "slug": "steven-crossman-995551", "full_name": "Steve Crossman", "canonical_url": "https://lendb.ai/lo/steven-crossman-995551", "json_url": "https://lendb.ai/lo/steven-crossman-995551.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "McKinney", "state": "TX" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "TN", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-crossman-995551", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 43.5, "loan_officer": { "nmls_id": 1502086, "slug": "janeth-pannen-1502086", "full_name": "Janeth Pannen", "canonical_url": "https://lendb.ai/lo/janeth-pannen-1502086", "json_url": "https://lendb.ai/lo/janeth-pannen-1502086.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "AZ", "CA", "IL", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.intercaplending.com/loan-officer/janeth-pannen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/janeth-pannen-1502086", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/janeth-pannen/" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 43.3, "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" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/philip-doos-2379827", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "Office in California", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/philip-doos-2379827", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/philip-doos-2379827" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 40, "loan_officer": { "nmls_id": 2721406, "slug": "john-tu-2721406", "full_name": "John Tu", "canonical_url": "https://lendb.ai/lo/john-tu-2721406", "json_url": "https://lendb.ai/lo/john-tu-2721406.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" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "vi" ], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/john-tu-2721406", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "Office in California", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/john-tu-2721406", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/john-tu-2721406" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 37.3, "loan_officer": { "nmls_id": 1284056, "slug": "scott-daniel-storrs-1284056", "full_name": "Scott Daniel Storrs", "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056", "json_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056.json", "lender": { "nmls_id": 135622, "name": "C2 Financial Corporation", "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "mixed-use", "evidence": "lender_page_text" }, { "slug": "rural", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://c2financial.com/find-a-loan-officer/sstorrs/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Foreign national on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://c2financial.com/find-a-loan-officer/sstorrs/" }, "match_status": "exact", "matched_specialties": [ "foreign-national" ], "unconfirmed_specialties": [] } ] }