Borrower situations · California

Loan officers for borrowers with a recent credit event in California

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in California whose lender pages show Recent credit event work. The top-ranked are David Shearer (Loan Factory, Burbank), Lynn Marie Bruno (Guild Mortgage, Lake Oswego) and Bruce Preston (Guild Mortgage, Redding). 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 3

  1. 1

    David ShearerNMLS 2251435

    Loan Factory · Mortgage broker · Burbank, CA

    • Recent credit event
    • First-time buyer
    • Real estate investor
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Office in Burbank, CA
    • States 40 years of experience (lender page, 2026-10-09)
  2. 2

    Lynn Marie BrunoNMLS 112674

    Guild Mortgage · Lake Oswego, OR · licensed in 3 states

    • Recent credit event
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • States 28 years of experience (lender page, 2026-10-09)
  3. 3

    Bruce PrestonNMLS 1189155

    Guild Mortgage · Redding, CA

    • Recent credit event
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Office in Redding, CA

Before you choose

Waiting periods differ by program and event, and some non-QM lenders accept events just one day out.

  • What waiting period applies to my event for each program?
  • Do extenuating circumstances shorten the wait?
  • What non-QM options exist if I cannot wait?

More about Recent credit event

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=recent-credit-event&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.