Loan programs · California
Jumbo loan officers in California
As of 2026-10-09, LenDb lists 485 loan officers licensed in or based in California whose lender pages show Jumbo loan work. The top-ranked are Tonda Herndon (CrossCountry Mortgage, Vacaville), John Assily (CrossCountry Mortgage, Walnut Creek) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Tonda HerndonNMLS 214647
CrossCountry Mortgage · Vacaville, CA
- Jumbo loan
- FHA loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Vacaville, CA
- States 28 years of experience (lender page, 2026-10-09)
- 2
John AssilyNMLS 291314
CrossCountry Mortgage · Walnut Creek, CA
- Jumbo loan
- Construction loan
- FHA loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Walnut Creek, CA
- States 30 years of experience (lender page, 2026-10-09)
- 3
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Jumbo loan
- Non-QM loan
- Real estate investor
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Newport Beach, CA
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Gary ForwardNMLS 246757
American Pacific Mortgage · Dana Point, CA
- Jumbo loan
- FHA loan
- VA loan
- Condo
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Dana Point, CA
- States 27 years of experience (lender page, 2026-10-09)
- 5
Michelle MuqtadirNMLS 143470
CrossCountry Mortgage · Seattle, WA · licensed in 11 states
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Low credit score
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Steve LeeNMLS 272302
CrossCountry Mortgage · Henderson, NV · licensed in 2 states
- Jumbo loan
- FHA loan
- Non-QM loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 7
Jay CoxNMLS 448416
CrossCountry Mortgage · Pittsburgh, PA · licensed in 8 states
- Jumbo loan
- New construction
- Self-employed
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Rita CarusoNMLS 278812
Homeowners Financial Group · Discovery Bay, CA
- Jumbo loan
- FHA loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Discovery Bay, CA
- States 20 years of experience (lender page, 2026-10-09)
- 9
Rick BuiNMLS 309803
Xpert Home Lending · Mortgage broker · California
- Jumbo loan
- Bank statement loan
- Construction loan
- DSCR loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 30 years of experience (lender page, 2026-10-09)
- 10
Patricia WrightNMLS 483924
Xpert Home Lending · Mortgage broker · California
- Jumbo loan
- Bank statement loan
- Construction loan
- Down payment assistance
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 24 years of experience (lender page, 2026-10-09)
- 11
Keith AllenNMLS 198190
Loan Factory · Mortgage broker · licensed in 3 states
- Jumbo loan
- DSCR loan
- Non-QM loan
- Real estate investor
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 33 years of experience (lender page, 2026-10-09)
- 12
Anthony Stafford Jr.NMLS 713682
Envoy Mortgage · Walnut Creek, CA · licensed in 2 states
- Jumbo loan
- FHA loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Walnut Creek, CA
- Licensed since 2017 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 13
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Jumbo loan
- Down payment assistance
- First-time buyer
- Physician and medical professional
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in San Diego, CA
- States 17 years of experience (lender page, 2026-10-09)
- 14
Patty AguonNMLS 994635
Empire Home Loans · Mortgage broker · Fair Oaks, CA
- Jumbo loan
- First-time buyer
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Fair Oaks, CA
- States 30 years of experience (lender page, 2026-10-09)
- 15
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- Jumbo loan
- Bank statement loan
- DSCR loan
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 16
Dennis GamalindaNMLS 453437
Loan Factory · Mortgage broker · licensed in 2 states
- Jumbo loan
- Reverse mortgage
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 17
Jacob KuzmanNMLS 373644
LeaderOne Financial · Winter Park, FL · licensed in 6 states
- Jumbo loan
- Construction loan
- First-time buyer
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 18
Larry PaulNMLS 829110
C2 Financial Corporation · Mortgage broker · California
- Jumbo loan
- First-time buyer
- Reverse mortgage
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 14 years of experience (lender page, 2026-10-09)
- 19
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- Jumbo loan
- FHA loan
- First-time buyer
- Non-QM loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 20
Paul James HamiltonNMLS 2699030
Loan Factory · Mortgage broker · California
- Jumbo loan
- Reverse mortgage
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 20 years of experience (lender page, 2026-10-09)
- 21
Jeff Cota, CRMPNMLS 232239
CrossCountry Mortgage · San Diego, CA · licensed in 3 states
- Jumbo loan
- Reverse mortgage
- FHA loan
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in San Diego, CA
- Licensed since 2018 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 22
Hunter MarckwardtNMLS 242073
CrossCountry Mortgage · Walnut Creek, CA
- Jumbo loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Walnut Creek, CA
- States 20 years of experience (lender page, 2026-10-09)
- 23
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Jumbo loan
- Non-QM loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Newport Beach, CA
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 24
Evelyne JametNMLS 280536
Guild Mortgage · Sacramento, CA
- Jumbo loan
- VA loan
- Down payment assistance
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Sacramento, CA
- States 32 years of experience (lender page, 2026-10-09)
- 25
Arlo ZoernerNMLS 293974
CrossCountry Mortgage · Walnut Creek, CA · licensed in 5 states
- Jumbo loan
- Real estate investor
- VA loan
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Walnut Creek, CA
- Licensed since 2026 (per Colorado records)
- States 24 years of experience (lender page, 2026-10-09)
Before you choose
Jumbo guidelines are set by each lender, with stricter reserves, credit and documentation than conforming loans.
- What reserves and credit score do your jumbo programs require?
- Do you offer interest-only or ARM jumbo options?
- Can you do a jumbo with less than 20 percent down?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=jumbo&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.