Borrower situations · California
Loan officers for physicians and medical professionals in California
As of 2026-10-09, LenDb lists 18 loan officers licensed in or based in California whose lender pages show Physician and medical professional work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), Molly Barndt, MBA, CSCP (CrossCountry Mortgage, Chicago) and Nicole Kwan (CrossCountry Mortgage, Lexington). 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 18
- 1
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Physician and medical professional
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 17 years experience (stated on lender page, 2026-10-09)
- 2
Molly Barndt, MBA, CSCPNMLS 2236749
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Physician and medical professional
- Real estate investor
- Jumbo loan
- Non-QM loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 3
Nicole KwanNMLS 477256
CrossCountry Mortgage · Lexington, MA · licensed in 5 states
- Physician and medical professional
- Condo
- Foreign national
- New construction
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Lanre OriloniseNMLS 448451
First Citizens Bank · Los Angeles, CA
- Physician and medical professional
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists Physician and medical professional 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
- 5
Manen PanNMLS 1006352
First Citizens Bank · Pasadena, CA · licensed in 32 states
- Physician and medical professional
- Real estate investor
- Construction loan
- Down payment assistance
- Lists Physician and medical professional 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
- 6
Mirajoy CasimiroNMLS 340617
Guild Mortgage · Las Vegas, NV · licensed in 2 states
- Physician and medical professional
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Physician and medical professional 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
- 7
Vina GuerreroNMLS 262835
First Citizens Bank · Pasadena, CA
- Physician and medical professional
- First-time buyer
- Down payment assistance
- FHA loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Clayton S SheffreyNMLS 643155
First Citizens Bank · San Diego, CA
- Physician and medical professional
- First-time buyer
- Down payment assistance
- Jumbo loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Rick WhittedNMLS 693313
First Citizens Bank · Los Angeles, CA
- Physician and medical professional
- Down payment assistance
- First-time buyer
- FHA loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Carlos MoctezumaNMLS 960434
First Citizens Bank · Ontario, CA
- Physician and medical professional
- Construction loan
- Down payment assistance
- FHA loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Alex BergerNMLS 257173
BMO Bank · Los Angeles, CA
- Physician and medical professional
- Construction loan
- Jumbo loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Rosario Lopez ZamoraNMLS 964686
First Citizens Bank · Pasadena, CA
- Physician and medical professional
- FHA loan
- First-time buyer
- Self-employed
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Cody TealNMLS 65382
First Citizens Bank · Wilmington, NC · licensed in 33 states
- Physician and medical professional
- Construction loan
- First-time buyer
- Jumbo loan
- Lists Physician and medical professional 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
- 14
Jeffrey RhodesNMLS 582903
BMO Bank · Palo Alto, CA
- Physician and medical professional
- Construction loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 15
Priscilla NogueiraNMLS 2084382
First Citizens Bank · Pasadena, CA
- Physician and medical professional
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 16
Jonathan O'DonnellNMLS 301511
BMO Bank · Santa Monica, CA
- Physician and medical professional
- Jumbo loan
- Real estate investor
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 17
Sam SimaniNMLS 765860
BMO Bank · Beverly Hills, CA
- Physician and medical professional
- Construction loan
- Jumbo loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 18
Druso CecchetNMLS 1097393
BMO Bank · San Diego, CA
- Physician and medical professional
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
Before you choose
Student debt and future employment contracts need special treatment that only physician programs allow.
- Do you have a physician loan program, and who qualifies?
- How do you treat my student loans in qualifying?
- Can I close on a signed employment contract before I start?
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=physician&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.