--- canonical_url: https://lendb.ai/s/physician/california last_verified: 2026-10-09 --- # Loan officers for physicians and medical professionals in California 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. ## Ranked, with reasons 1. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Physician and medical professional 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) - States 17 years of experience (lender page, 2026-10-09) 2. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL - Lists Physician and medical professional 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 5 years of experience (lender page, 2026-10-09) 3. **[Nicole Kwan](https://lendb.ai/lo/nicole-kwan-477256)** (NMLS 477256), CrossCountry Mortgage, Lexington, MA - Lists Physician and medical professional 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 20 years of experience (lender page, 2026-10-09) 4. **[Vina Guerrero](https://lendb.ai/lo/vina-guerrero-262835)** (NMLS 262835), First Citizens Bank, Pasadena, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 5. **[Clayton S Sheffrey](https://lendb.ai/lo/clayton-s-sheffrey-643155)** (NMLS 643155), First Citizens Bank, San Diego, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 25 years of experience (lender page, 2026-10-09) 6. **[Rick Whitted](https://lendb.ai/lo/rick-whitted-693313)** (NMLS 693313), First Citizens Bank, Los Angeles, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Los Angeles, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 35 years of experience (lender page, 2026-10-09) 7. **[Carlos Moctezuma](https://lendb.ai/lo/carlos-moctezuma-960434)** (NMLS 960434), First Citizens Bank, Ontario, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Ontario, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 30 years of experience (lender page, 2026-10-09) 8. **[Alex Berger](https://lendb.ai/lo/alex-berger-257173)** (NMLS 257173), BMO Bank, Los Angeles, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Los Angeles, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 9. **[Rosario Lopez Zamora](https://lendb.ai/lo/rosario-lopez-zamora-964686)** (NMLS 964686), First Citizens Bank, Pasadena, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 17 years of experience (lender page, 2026-10-09) 10. **[Lanre Orilonise](https://lendb.ai/lo/lanre-orilonise-448451)** (NMLS 448451), First Citizens Bank, Los Angeles, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Los Angeles, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Manen Pan](https://lendb.ai/lo/manen-pan-1006352)** (NMLS 1006352), First Citizens Bank, Pasadena, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Jeffrey Rhodes](https://lendb.ai/lo/jeffrey-rhodes-582903)** (NMLS 582903), BMO Bank, Palo Alto, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Palo Alto, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Priscilla Nogueira](https://lendb.ai/lo/priscilla-nogueira-2084382)** (NMLS 2084382), First Citizens Bank, Pasadena, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Jonathan O'Donnell](https://lendb.ai/lo/jonathan-o-donnell-301511)** (NMLS 301511), BMO Bank, Santa Monica, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Santa Monica, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Sam Simani](https://lendb.ai/lo/sam-simani-765860)** (NMLS 765860), BMO Bank, Beverly Hills, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Beverly Hills, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Druso Cecchet](https://lendb.ai/lo/druso-cecchet-1097393)** (NMLS 1097393), BMO Bank, San Diego, CA - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Physician and medical professional 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/physician/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._