{ "canonical_url": "https://lendb.ai/s/physician/california", "summary": "As of 2026-10-09, LenDb lists 17 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.", "specialty": "physician", "state": "CA", "total": 17, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 57.6, "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" ], "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, "years_experience": 17, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "reasons": [ "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)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505" }, { "rank": 2, "score": 50.3, "loan_officer": { "nmls_id": 2236749, "slug": "molly-barndt-2236749", "full_name": "Molly Barndt, MBA, CSCP", "canonical_url": "https://lendb.ai/lo/molly-barndt-2236749", "json_url": "https://lendb.ai/lo/molly-barndt-2236749.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CT", "DE", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "MA", "ME", "MI", "MN", "MT", "ND", "NH", "NV", "OR", "SD", "UT", "WA", "WI", "WY" ], "languages": [], "specialties": [ { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 1, "years_experience": 5, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3056/molly-barndt/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/molly-barndt-2236749" }, { "rank": 3, "score": 50, "loan_officer": { "nmls_id": 477256, "slug": "nicole-kwan-477256", "full_name": "Nicole Kwan", "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256", "json_url": "https://lendb.ai/lo/nicole-kwan-477256.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "MA" }, "licensed_states": [ "CA", "MA", "ME", "NH", "RI" ], "languages": [ "zh" ], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/nicole-kwan/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256" }, { "rank": 4, "score": 42.8, "loan_officer": { "nmls_id": 448451, "slug": "lanre-orilonise-448451", "full_name": "Lanre Orilonise", "canonical_url": "https://lendb.ai/lo/lanre-orilonise-448451", "json_url": "https://lendb.ai/lo/lanre-orilonise-448451.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Los Angeles", "state": "CA" }, "licensed_states": [ "CA" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/los-angeles/lanre-orilonise" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/lanre-orilonise-448451" }, { "rank": 5, "score": 42.8, "loan_officer": { "nmls_id": 1006352, "slug": "manen-pan-1006352", "full_name": "Manen Pan", "canonical_url": "https://lendb.ai/lo/manen-pan-1006352", "json_url": "https://lendb.ai/lo/manen-pan-1006352.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Pasadena", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "CT", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "UT", "VA", "WA", "WI" ], "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "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": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/pasadena/pan-manen" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/manen-pan-1006352" }, { "rank": 6, "score": 40.8, "loan_officer": { "nmls_id": 262835, "slug": "vina-guerrero-262835", "full_name": "Vina Guerrero", "canonical_url": "https://lendb.ai/lo/vina-guerrero-262835", "json_url": "https://lendb.ai/lo/vina-guerrero-262835.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Pasadena", "state": "CA" }, "licensed_states": [], "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 20, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/pasadena/vina-guerrero" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/vina-guerrero-262835" }, { "rank": 7, "score": 40.5, "loan_officer": { "nmls_id": 643155, "slug": "clayton-s-sheffrey-643155", "full_name": "Clayton S Sheffrey", "canonical_url": "https://lendb.ai/lo/clayton-s-sheffrey-643155", "json_url": "https://lendb.ai/lo/clayton-s-sheffrey-643155.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": [], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 25, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/clayton-s-sheffrey-643155" }, { "rank": 8, "score": 40.5, "loan_officer": { "nmls_id": 693313, "slug": "rick-whitted-693313", "full_name": "Rick Whitted", "canonical_url": "https://lendb.ai/lo/rick-whitted-693313", "json_url": "https://lendb.ai/lo/rick-whitted-693313.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Los Angeles", "state": "CA" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 35, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/los-angeles/rick-whitted" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/rick-whitted-693313" }, { "rank": 9, "score": 40.5, "loan_officer": { "nmls_id": 960434, "slug": "carlos-moctezuma-960434", "full_name": "Carlos Moctezuma", "canonical_url": "https://lendb.ai/lo/carlos-moctezuma-960434", "json_url": "https://lendb.ai/lo/carlos-moctezuma-960434.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Ontario", "state": "CA" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "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": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 30, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/carlos-moctezuma-960434" }, { "rank": 10, "score": 40, "loan_officer": { "nmls_id": 257173, "slug": "alex-berger-257173", "full_name": "Alex Berger", "canonical_url": "https://lendb.ai/lo/alex-berger-257173", "json_url": "https://lendb.ai/lo/alex-berger-257173.json", "lender": { "nmls_id": 401052, "name": "BMO Bank", "canonical_url": "https://lendb.ai/lender/bmo-bank-401052", "type": "bank" }, "branch": { "city": "Los Angeles", "state": "CA" }, "licensed_states": [], "languages": [ "en" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 20, "lender_profile_url": "https://usmortgagebanker.bmo.com/ca/losangeles/ab-257173/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/alex-berger-257173" }, { "rank": 11, "score": 39.3, "loan_officer": { "nmls_id": 964686, "slug": "rosario-lopez-zamora-964686", "full_name": "Rosario Lopez Zamora", "canonical_url": "https://lendb.ai/lo/rosario-lopez-zamora-964686", "json_url": "https://lendb.ai/lo/rosario-lopez-zamora-964686.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Pasadena", "state": "CA" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 17, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/pasadena/rosario-lopez-zamora" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/rosario-lopez-zamora-964686" }, { "rank": 12, "score": 37.8, "loan_officer": { "nmls_id": 65382, "slug": "cody-teal-65382", "full_name": "Cody Teal", "canonical_url": "https://lendb.ai/lo/cody-teal-65382", "json_url": "https://lendb.ai/lo/cody-teal-65382.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Wilmington", "state": "NC" }, "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", "TN", "TX", "UT", "VA", "WA", "WI", "WV" ], "languages": [], "specialties": [ { "slug": "construction", "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": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/teal-cody" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/cody-teal-65382" }, { "rank": 13, "score": 32.8, "loan_officer": { "nmls_id": 582903, "slug": "jeffrey-rhodes-582903", "full_name": "Jeffrey Rhodes", "canonical_url": "https://lendb.ai/lo/jeffrey-rhodes-582903", "json_url": "https://lendb.ai/lo/jeffrey-rhodes-582903.json", "lender": { "nmls_id": 401052, "name": "BMO Bank", "canonical_url": "https://lendb.ai/lender/bmo-bank-401052", "type": "bank" }, "branch": { "city": "Palo Alto", "state": "CA" }, "licensed_states": [], "languages": [ "en" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://usmortgagebanker.bmo.com/ca/paloalto/jr-582903/" }, "reasons": [ "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 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