{ "canonical_url": "https://lendb.ai/s/jumbo/california", "summary": "As of 2026-10-09, LenDb lists 469 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.", "specialty": "jumbo", "state": "CA", "total": 469, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "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", "type": "imb" }, "branch": { "city": "Vacaville", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/vacaville-ca-8133/tonda-herndon/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Vacaville, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tonda-herndon-214647", "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/vacaville-ca-8133/tonda-herndon/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "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", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/walnut-creek-ca-8082/john-assily/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-assily-291314", "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/walnut-creek-ca-8082/john-assily/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.8, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "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": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Newport Beach, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "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/newport-beach-ca-4169/jose-magallanes/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62, "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", "type": "imb" }, "branch": { "city": "Dana Point", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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" } ], "years_licensed": null, "licensed_since": null, "years_experience": 27, "lender_profile_url": "https://www.apmortgage.com/gary-forward", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Dana Point, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gary-forward-246757", "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/gary-forward" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 59.8, "loan_officer": { "nmls_id": 143470, "slug": "michelle-muqtadir-143470", "full_name": "Michelle Muqtadir", "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "HI", "ID", "NV", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "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/seattle-wa-5551/michelle-muqtadir/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 59.8, "loan_officer": { "nmls_id": 272302, "slug": "steve-lee-272302", "full_name": "Steve Lee", "canonical_url": "https://lendb.ai/lo/steve-lee-272302", "json_url": "https://lendb.ai/lo/steve-lee-272302.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Henderson", "state": "NV" }, "licensed_states": [ "CA", "NV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-3493/steve-lee/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steve-lee-272302", "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/henderson-nv-3493/steve-lee/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 59.8, "loan_officer": { "nmls_id": 448416, "slug": "jeremiah-cox-448416", "full_name": "Jay Cox", "canonical_url": "https://lendb.ai/lo/jeremiah-cox-448416", "json_url": "https://lendb.ai/lo/jeremiah-cox-448416.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Pittsburgh", "state": "PA" }, "licensed_states": [ "FL", "CA", "DE", "MA", "MD", "OH", "PA", "WV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/pittsburgh-pa-2578/jeremiah-cox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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 2026 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeremiah-cox-448416", "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/pittsburgh-pa-2578/jeremiah-cox/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 8, "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", "type": "imb" }, "branch": { "city": "Discovery Bay", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://homeownersfg.com/ritacaruso/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Discovery Bay, CA", "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/rita-caruso-278812", "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://homeownersfg.com/ritacaruso/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 9, "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 Jumbo loan 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": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 10, "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 Jumbo loan 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": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 58.3, "loan_officer": { "nmls_id": 198190, "slug": "keith-allen-198190", "full_name": "Keith Allen", "canonical_url": "https://lendb.ai/lo/keith-allen-198190", "json_url": "https://lendb.ai/lo/keith-allen-198190.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", "NJ" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 33, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/keith-allen-198190", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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 33 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/keith-allen-198190", "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/keith-allen-198190" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 58, "loan_officer": { "nmls_id": 713682, "slug": "anthony-stafford-713682", "full_name": "Anthony Stafford Jr.", "canonical_url": "https://lendb.ai/lo/anthony-stafford-713682", "json_url": "https://lendb.ai/lo/anthony-stafford-713682.json", "lender": { "nmls_id": 6666, "name": "Envoy Mortgage", "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "licensed_states": [ "CA", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://www.envoymortgage.com/anthony-stafford/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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)", "Licensed since 2017 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/anthony-stafford-713682", "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.envoymortgage.com/anthony-stafford/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 57.3, "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": "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, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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; 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verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 35 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dennis-gamalinda-453437", "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/dennis-gamalinda-453437" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 55.8, "loan_officer": { "nmls_id": 373644, "slug": "jacob-kuzman-373644", "full_name": "Jacob Kuzman", "canonical_url": "https://lendb.ai/lo/jacob-kuzman-373644", "json_url": "https://lendb.ai/lo/jacob-kuzman-373644.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Winter Park", "state": "FL" }, "licensed_states": [ "FL", "CA", "GA", "KS", "MO", "NC" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "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": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/jacob-kuzman", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; 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