{ "canonical_url": "https://lendb.ai/s/heloc/california", "summary": "As of 2026-10-09, LenDb lists 154 loan officers licensed in or based in California whose lender pages show HELOC work. The top-ranked are Gordon Weichler (American Pacific Mortgage, Roseville), Rick Bui (Xpert Home Lending) and Patricia Wright (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "CA", "total": 154, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62, "loan_officer": { "nmls_id": 308099, "slug": "gordon-weichler-308099", "full_name": "Gordon Weichler", "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099", "json_url": "https://lendb.ai/lo/gordon-weichler-308099.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/gordon-weichler", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Roseville, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099", "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.apmortgage.com/gordon-weichler" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 2, "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", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://xperthomelending.com/loan-directory/rick-bui", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/rick-bui-309803", "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://xperthomelending.com/loan-directory/rick-bui" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 58.8, "loan_officer": { "nmls_id": 483924, "slug": "patricia-wright-483924", "full_name": "Patricia Wright", "canonical_url": "https://lendb.ai/lo/patricia-wright-483924", "json_url": "https://lendb.ai/lo/patricia-wright-483924.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" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 24, "lender_profile_url": "https://xperthomelending.com/loan-directory/patricia-wright", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patricia-wright-483924", "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://xperthomelending.com/loan-directory/patricia-wright" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58.3, "loan_officer": { "nmls_id": 233747, "slug": "emmett-clark-233747", "full_name": "Emmett Clark", "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "json_url": "https://lendb.ai/lo/emmett-clark-233747.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": [ "CO", "FL", "PA", "AL", "AZ", "CA", "HI", "IA", "ID", "KS", "KY", "MO", "OR", "TN", "TX", "UT", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "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/emmett-clark-233747", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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/emmett-clark-233747", "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/emmett-clark-233747" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 57.3, "loan_officer": { "nmls_id": 1621681, "slug": "megan-curtis-1621681", "full_name": "Megan Curtis", "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "json_url": "https://lendb.ai/lo/megan-curtis-1621681.json", "lender": { "nmls_id": 35953, "name": "Pennymac", "canonical_url": "https://lendb.ai/lender/pennymac-35953", "type": "imb" }, "branch": { "city": "Pasadena", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "NJ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.pennymac.com/find-loan-officer/megan-curtis", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Pasadena, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "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.pennymac.com/find-loan-officer/megan-curtis" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 56.8, "loan_officer": { "nmls_id": 997560, "slug": "tracey-radinovic-997560", "full_name": "Tracey Radinovic", "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560", "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "AR", "CA", "IL", "IN", "KS", "MO", "NJ", "NV", "OK", "SC", "TX", "VA" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "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": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2025 (per Florida records)", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560", "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.fairway.com/lo/tracey-radinovic-997560" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 53.8, "loan_officer": { "nmls_id": 284413, "slug": "don-gonzalez-284413", "full_name": "Don Gonzalez", "canonical_url": "https://lendb.ai/lo/don-gonzalez-284413", "json_url": "https://lendb.ai/lo/don-gonzalez-284413.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": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/don-gonzalez-284413", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/don-gonzalez-284413", "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/don-gonzalez-284413" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 53.8, "loan_officer": { "nmls_id": 288571, "slug": "michael-lee-mcchristian-288571", "full_name": "Michael Lee Mcchristian", "canonical_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571", "json_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571.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": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 26, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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)", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571", "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/michael-lee-mcchristian-288571" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 52.3, "loan_officer": { "nmls_id": 488734, "slug": "brent-wilkerson-488734", "full_name": "Brent Wilkerson", "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734", "json_url": "https://lendb.ai/lo/brent-wilkerson-488734.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "La Crosse", "state": "WI" }, "licensed_states": [ "FL", "CA", "CO", "IA", "MN", "MO", "NV", "WI" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/la-crosse-wi-5717/brent-wilkerson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734", "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/la-crosse-wi-5717/brent-wilkerson/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 52.3, "loan_officer": { "nmls_id": 861931, "slug": "daniel-cossettini-861931", "full_name": "Dan Cossettini", "canonical_url": "https://lendb.ai/lo/daniel-cossettini-861931", "json_url": "https://lendb.ai/lo/daniel-cossettini-861931.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Santa Ana", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://mortgage.usbank.com/ca/santa-ana/dan-cossettini-861931", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Santa Ana, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/daniel-cossettini-861931", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "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.leaderonefinancial.com/mlo/dan-larkin" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 51.8, "loan_officer": { "nmls_id": 2065203, "slug": "kimberly-rutherford-2065203", "full_name": "Kimberly Rutherford", "canonical_url": "https://lendb.ai/lo/kimberly-rutherford-2065203", "json_url": "https://lendb.ai/lo/kimberly-rutherford-2065203.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "San Jose", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in San Jose, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kimberly-rutherford-2065203", "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/kimberly-rutherford-2065203" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 51.8, "loan_officer": { "nmls_id": 2664051, "slug": "kristian-lau-2664051", "full_name": "Kristian Lau", "canonical_url": "https://lendb.ai/lo/kristian-lau-2664051", "json_url": "https://lendb.ai/lo/kristian-lau-2664051.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": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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/kristian-lau-2664051", "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/kristian-lau-2664051" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 50.8, "loan_officer": { "nmls_id": 254257, "slug": "darren-bortmas-254257", "full_name": "Darren Bortmas", "canonical_url": "https://lendb.ai/lo/darren-bortmas-254257", "json_url": "https://lendb.ai/lo/darren-bortmas-254257.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": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "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": 22, "lender_profile_url": "https://c2financial.com/find-a-loan-officer/dbortmas/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC 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)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/darren-bortmas-254257", "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/dbortmas/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 50.8, "loan_officer": { "nmls_id": 255924, "slug": "sandra-denise-smith-255924", "full_name": "Sandra Denise Smith", "canonical_url": "https://lendb.ai/lo/sandra-denise-smith-255924", "json_url": "https://lendb.ai/lo/sandra-denise-smith-255924.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Walnut Creek, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/sandra-denise-smith-255924", "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://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 50.8, "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" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in San Diego, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "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://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 50.5, "loan_officer": { "nmls_id": 1856958, "slug": "william-endres-1856958", "full_name": "William Endres", "canonical_url": "https://lendb.ai/lo/william-endres-1856958", "json_url": "https://lendb.ai/lo/william-endres-1856958.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Marina Del Rey", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/marina-del-rey/4676-admiralty-way-hla-1856958", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Marina Del Rey, CA", "Likely federally registered (works at a bank). 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