--- canonical_url: https://lendb.ai/s/jumbo/california last_verified: 2026-10-10 --- # Jumbo loan officers in California As of 2026-10-10, LenDb lists 421 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. ## Ranked, with reasons 1. **[Tonda Herndon](https://lendb.ai/lo/tonda-herndon-214647)** (NMLS 214647), CrossCountry Mortgage, Vacaville, CA - 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) 2. **[John Assily](https://lendb.ai/lo/john-assily-291314)** (NMLS 291314), CrossCountry Mortgage, Walnut Creek, CA - 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) 3. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - 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) 4. **[Gary Forward](https://lendb.ai/lo/gary-forward-246757)** (NMLS 246757), American Pacific Mortgage, Dana Point, CA - 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) 5. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA - 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) 6. **[Steve Lee](https://lendb.ai/lo/steve-lee-272302)** (NMLS 272302), CrossCountry Mortgage, Henderson, NV - 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) 7. **[Jay Cox](https://lendb.ai/lo/jeremiah-cox-448416)** (NMLS 448416), CrossCountry Mortgage, Pittsburgh, PA - 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) 8. **[James Perfilio](https://lendb.ai/lo/jamie-perfilio-945664)** (NMLS 945664), Churchill Mortgage, Brentwood, TN - 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 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 9. **[Brad MacHamer](https://lendb.ai/lo/brad-machamer-190059)** (NMLS 190059), Xpert Home Lending - 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 2007 (per Colorado records) 10. **[Corey Husted](https://lendb.ai/lo/corey-husted-1248167)** (NMLS 1248167), Intercap Lending, San Diego, CA - 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; verify at NMLS) - Licensed since 2014 (per Florida records) 11. **[Keith Allen](https://lendb.ai/lo/keith-allen-198190)** (NMLS 198190), Loan Factory - 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) 12. **[Mark Lyman](https://lendb.ai/lo/mark-lyman-724190)** (NMLS 724190), Embrace Home Loans, Rockville, MD - 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 Colorado records) - States 22 years of experience (lender page, 2026-10-09) 13. **[Scott Hazard](https://lendb.ai/lo/scott-hazard-30883)** (NMLS 30883), Embrace Home Loans, Jamestown, RI - 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 2011 (per Florida records) 14. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - 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 14 years of experience (lender page, 2026-10-09) 15. **[Dennis Gamalinda](https://lendb.ai/lo/dennis-gamalinda-453437)** (NMLS 453437), Loan Factory - 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 35 years of experience (lender page, 2026-10-09) 16. **[Larry Paul](https://lendb.ai/lo/larry-paul-829110)** (NMLS 829110), C2 Financial Corporation - 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) - States 14 years of experience (lender page, 2026-10-09) 17. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists Jumbo loan on lender page (lender page, verified 2026-10-10) - 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, 2026-10-10) 18. **[Jeff Cota, CRMP](https://lendb.ai/lo/jeffrey-cota-232239)** (NMLS 232239), CrossCountry Mortgage, San Diego, CA - 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; verify at NMLS) - Licensed since 2018 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Hunter Marckwardt](https://lendb.ai/lo/hunter-marckwardt-242073)** (NMLS 242073), CrossCountry Mortgage, Walnut Creek, CA - 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 20 years of experience (lender page, 2026-10-09) 20. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA - 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 2019 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 21. **[Evelyne Jamet](https://lendb.ai/lo/evelyne-jamet-280536)** (NMLS 280536), Guild Mortgage, Sacramento, CA - Lists Jumbo loan on lender page (lender page, verified 2026-10-09) - Office in Sacramento, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 32 years of experience (lender page, 2026-10-09) 22. **[Arlo Zoerner](https://lendb.ai/lo/arlo-zoerner-293974)** (NMLS 293974), CrossCountry Mortgage, Walnut Creek, CA - 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 2026 (per Colorado records) - States 24 years of experience (lender page, 2026-10-09) 23. **[Zach Taylor](https://lendb.ai/lo/zach-taylor-315344)** (NMLS 315344), CrossCountry Mortgage, Encinitas, CA - Lists Jumbo loan on lender page (lender page, verified 2026-10-09) - Office in Encinitas, 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) 24. **[Robert Saberi](https://lendb.ai/lo/robert-saberi-377663)** (NMLS 377663), CrossCountry Mortgage, Benicia, CA - Lists Jumbo loan on lender page (lender page, verified 2026-10-09) - Office in Benicia, 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) 25. **[Wendy Russell](https://lendb.ai/lo/wendy-russell-390282)** (NMLS 390282), CrossCountry Mortgage, Ventura, CA - Lists Jumbo loan on lender page (lender page, verified 2026-10-09) - Office in Ventura, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 37 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/jumbo/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._