Property types · California
2 to 4 unit property loan officers in California
As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in California whose lender pages show 2 to 4 unit property work. The top-ranked are Karla G. Rosillo (Xpert Home Lending), Mark Skolnick (C2 Financial Corporation) and Tom Tran (Loan Factory). 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 13
- 1
Karla G. RosilloNMLS 792820
Xpert Home Lending · California
- 2 to 4 unit property
- First-time buyer
- Real estate investor
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18 years experience (stated on lender page, 2026-10-09)
- 2
Mark SkolnickNMLS 348746
- 2 to 4 unit property
- Real estate investor
- Jumbo loan
- Self-employed
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Tom TranNMLS 346684
Loan Factory · California
- 2 to 4 unit property
- Condo
- HELOC
- FHA loan
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 4
Kathy ColeNMLS 1116055
Loan Factory · California
- 2 to 4 unit property
- Non-QM loan
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 39 years experience (stated on lender page, 2026-10-09)
- 5
Christopher AlbaneseNMLS 63768
CrossCountry Mortgage · Durango, CO · licensed in 8 states
- 2 to 4 unit property
- Co-op
- Condo
- Jumbo loan
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 6
Ashit Shah (AV)NMLS 2752027
Loan Factory · California
- 2 to 4 unit property
- Real estate investor
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 7
Alan MaddoxNMLS 2561147
Loan Factory · licensed in 2 states
- 2 to 4 unit property
- Real estate investor
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- 2 to 4 unit property
- First-time buyer
- Real estate investor
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 9
Jason VaughnNMLS 270698
Empire Home Loans · Fair Oaks, CA
- 2 to 4 unit property
- Real estate investor
- Vacation home
- FHA loan
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 13 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Chris MortonNMLS 1716931
American Pacific Mortgage · Issaquah, WA · licensed in 2 states
- 2 to 4 unit property
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Joyce Y LeeNMLS 1373760
Loan Factory · licensed in 5 states
- 2 to 4 unit property
- Real estate investor
- Reverse mortgage
- Construction loan
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 12
Kristian LauNMLS 2664051
Loan Factory · California
- 2 to 4 unit property
- First-time buyer
- HELOC
- Non-QM loan
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 13
Scott Daniel StorrsNMLS 1284056
- 2 to 4 unit property
- DSCR loan
- Real estate investor
- Foreign national
- Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
Before you choose
Rental income rules, reserve requirements and appraisal comps for small multifamily vary a lot between lenders.
- How much of the projected rental income can count toward qualifying?
- Can I buy this with FHA or VA if I live in one unit?
- What reserves do you require for a 2 to 4 unit property?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in CA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=multi-family-2-4&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.