{
  "canonical_url": "https://lendb.ai/s/multi-family-2-4/california",
  "summary": "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), Christopher Albanese (CrossCountry Mortgage, Durango) and Mark Skolnick (C2 Financial Corporation). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "multi-family-2-4",
  "state": "CA",
  "total": 13,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 55.7,
      "loan_officer": {
        "nmls_id": 792820,
        "slug": "karla-g-rosillo-792820",
        "full_name": "Karla G. Rosillo",
        "canonical_url": "https://lendb.ai/lo/karla-g-rosillo-792820",
        "json_url": "https://lendb.ai/lo/karla-g-rosillo-792820.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"
        ],
        "languages": [
          "es",
          "fr"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 18,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/karla-g-rosillo"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/karla-g-rosillo-792820"
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 63768,
        "slug": "christopher-albanese-63768",
        "full_name": "Christopher Albanese",
        "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768",
        "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Durango",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "CT",
          "IL",
          "MA",
          "NJ",
          "NY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768"
    },
    {
      "rank": 3,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 348746,
        "slug": "mark-skolnick-348746",
        "full_name": "Mark Skolnick",
        "canonical_url": "https://lendb.ai/lo/mark-skolnick-348746",
        "json_url": "https://lendb.ai/lo/mark-skolnick-348746.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": null
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 35,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/mskolnick/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-skolnick-348746"
    },
    {
      "rank": 4,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 346684,
        "slug": "tom-tran-346684",
        "full_name": "Tom Tran",
        "canonical_url": "https://lendb.ai/lo/tom-tran-346684",
        "json_url": "https://lendb.ai/lo/tom-tran-346684.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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "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,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tom-tran-346684"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-tran-346684"
    },
    {
      "rank": 5,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1116055,
        "slug": "kathy-cole-1116055",
        "full_name": "Kathy Cole",
        "canonical_url": "https://lendb.ai/lo/kathy-cole-1116055",
        "json_url": "https://lendb.ai/lo/kathy-cole-1116055.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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 39,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kathy-cole-1116055"
    },
    {
      "rank": 6,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 2752027,
        "slug": "ashit-shah-av-2752027",
        "full_name": "Ashit Shah (AV)",
        "canonical_url": "https://lendb.ai/lo/ashit-shah-av-2752027",
        "json_url": "https://lendb.ai/lo/ashit-shah-av-2752027.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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ashit-shah-av-2752027"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ashit-shah-av-2752027"
    },
    {
      "rank": 7,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 2561147,
        "slug": "alan-maddox-2561147",
        "full_name": "Alan Maddox",
        "canonical_url": "https://lendb.ai/lo/alan-maddox-2561147",
        "json_url": "https://lendb.ai/lo/alan-maddox-2561147.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": [
          "CA",
          "MN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/alan-maddox-2561147"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/alan-maddox-2561147"
    },
    {
      "rank": 8,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 258898,
        "slug": "daniel-larkin-258898",
        "full_name": "Dan Larkin",
        "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
        "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 25,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898"
    },
    {
      "rank": 9,
      "score": 41.7,
      "loan_officer": {
        "nmls_id": 270698,
        "slug": "jason-vaughn-270698",
        "full_name": "Jason Vaughn",
        "canonical_url": "https://lendb.ai/lo/jason-vaughn-270698",
        "json_url": "https://lendb.ai/lo/jason-vaughn-270698.json",
        "lender": {
          "nmls_id": 1839243,
          "name": "Empire Home Loans",
          "canonical_url": "https://lendb.ai/lender/empire-home-loans-1839243",
          "type": "broker"
        },
        "branch": {
          "city": "Fair Oaks",
          "state": "CA"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.empirehomeloans.com/team/jvaughn"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-vaughn-270698"
    },
    {
      "rank": 10,
      "score": 39,
      "loan_officer": {
        "nmls_id": 1716931,
        "slug": "chris-morton-1716931",
        "full_name": "Chris Morton",
        "canonical_url": "https://lendb.ai/lo/chris-morton-1716931",
        "json_url": "https://lendb.ai/lo/chris-morton-1716931.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Issaquah",
          "state": "WA"
        },
        "licensed_states": [
          "CA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/chris-morton"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/chris-morton-1716931"
    },
    {
      "rank": 11,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 1373760,
        "slug": "joyce-lee-1373760",
        "full_name": "Joyce Y Lee",
        "canonical_url": "https://lendb.ai/lo/joyce-lee-1373760",
        "json_url": "https://lendb.ai/lo/joyce-lee-1373760.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",
          "AZ",
          "CA",
          "LA",
          "TX"
        ],
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/joyce-lee-1373760"
    },
    {
      "rank": 12,
      "score": 37.8,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/kristian-lau-2664051"
    },
    {
      "rank": 13,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 1284056,
        "slug": "scott-daniel-storrs-1284056",
        "full_name": "Scott Daniel Storrs",
        "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056",
        "json_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056.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": null
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/sstorrs/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056"
    }
  ]
}