Borrower situations · California
Loan officers for homeowners who are refinancing in California
As of 2026-10-26, LenDb lists 143 loan officers licensed in or based in California whose lender pages show Refinance work. The top-ranked are Simon Atik (Guaranteed Rate Affinity, LLC, Los Angeles), Jason Smith (Ladera Lending, Inc., Lake Forest) and John Assily (CrossCountry Mortgage, Walnut Creek). 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 25
- 1
Simon AtikNMLS 961014
Guaranteed Rate Affinity, LLC · Los Angeles, CA
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC961014), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Los Angeles, CA
- Earliest state license record: January 14, 2013 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-21)
- 2
Jason SmithNMLS 1030753
Ladera Lending, Inc. · Lake Forest, CA · licensed in 8 states
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1030753), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Lake Forest, CA
- Earliest state license record: June 21, 2013 (Oregon), per state regulator
- 3
John AssilyNMLS 291314
CrossCountry Mortgage · Walnut Creek, CA
- Refinance
- Construction loan
- VA loan
- FHA loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO291314), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Walnut Creek, CA
- Earliest state license record: November 3, 2016 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-22)
- 4
Gordon WeichlerNMLS 308099
American Pacific Mortgage · Roseville, CA
- Refinance
- HELOC
- Reverse mortgage
- VA loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC308099), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Roseville, CA
- Earliest state license record: July 2, 2010 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-20)
- 5
George McfadenNMLS 344084
Guaranteed Rate Affinity, LLC · San Francisco, CA
- Refinance
- First-time buyer
- Real estate investor
- Jumbo loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO344084), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in San Francisco, CA
- Earliest state license record: August 15, 2014 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 6
Anita AguilarNMLS 498749
Cardinal Financial Company · San Diego, CA · licensed in 3 states
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC498749), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in San Diego, CA
- Earliest state license record: June 23, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 7
Edgar ArandaNMLS 833610
Cardinal Financial Company · San Diego, CA
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC833610), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in San Diego, CA
- Earliest state license record: December 8, 2011 (California), per state regulator
- States 25 years of experience (lender page, 2026-10-19)
- 8
Chris LippiNMLS 266400
Guaranteed Rate Affinity, LLC · Sacramento, CA
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC266400), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Sacramento, CA
- Earliest state license record: June 15, 2010 (California), per state regulator
- States 18 years of experience (lender page, 2026-10-21)
- 9
Sandra SmithNMLS 255924
Guild Mortgage · Walnut Creek, CA
- Refinance
- Reverse mortgage
- First-time buyer
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC255924), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Walnut Creek, CA
- Earliest state license record: June 3, 2010 (California), per state regulator
- 10
Fe DavidNMLS 482592
Guaranteed Rate Affinity, LLC · Burlingame, CA
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO482592), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Burlingame, CA
- Earliest state license record: June 1, 2015 (California), per state regulator
- 11
Michelle MorrisNMLS 264030
Guaranteed Rate Affinity, LLC · San Diego, CA
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO264030), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in San Diego, CA
- Earliest state license record: February 8, 2016 (California), per state regulator
- 12
Ashton Pereida-RiceNMLS 2022873
Ladera Lending, Inc. · Ladera Ranch, CA · licensed in 3 states
- Refinance
- HELOC
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2022873), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Ladera Ranch, CA
- Earliest state license record: September 14, 2020 (Iowa), per state regulator
- States 5 years of experience (lender page, 2026-10-21)
- 13
Megan CurtisNMLS 1621681
Pennymac · Pasadena, CA · licensed in 9 states
- Refinance
- HELOC
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI1621681), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Pasadena, CA
- Earliest state license record: September 12, 2017 (Colorado), per state regulator
- 14
Kim ShueyNMLS 410338
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 15 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO410338), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 22, 2011 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 15
Ed WooleryNMLS 632979
Guaranteed Rate Affinity, LLC · La Jolla, CA · licensed in 3 states
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO632979), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in La Jolla, CA
- Earliest state license record: October 5, 2018 (California), per state regulator
- 16
Felix OchoaNMLS 1462507
American Pacific Mortgage · Pomona, CA
- Refinance
- First-time buyer
- Reverse mortgage
- Real estate investor
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1462507), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Pomona, CA
- Earliest state license record: June 30, 2017 (California), per state regulator
- States 10 years of experience (lender page, 2026-10-20)
- 17
Beverly LiesyNMLS 241577
Newrez · Seattle, WA · licensed in 5 states
- Refinance
- New construction
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO241577), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 30, 2019 (Oregon), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 18
Kathleen SpicuzzaNMLS 865895
CrossCountry Mortgage · Las Vegas, NV · licensed in 6 states
- Refinance
- Reverse mortgage
- VA loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO865895), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: September 18, 2019 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 19
Connie BuchananNMLS 241170
American Pacific Mortgage · San Francisco, CA
- Refinance
- First-time buyer
- ✓Licensed in CA: confirmed with the California Department of Real Estate (license 01200004), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in San Francisco, CA
- 20
Stephanie O'FarrellNMLS 95809
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO95809), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 17, 2008 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 21
Bryan ZadaNMLS 395158
Guaranteed Rate Affinity, LLC · Long Beach, CA
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI395158), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Long Beach, CA
- Earliest state license record: July 26, 2021 (California), per state regulator
- 22
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO700709), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Roseville, CA
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 23
Fidel MazonNMLS 1239383
Panorama Mortgage Group, LLC · Visalia, CA · licensed in 2 states
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1239383), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Visalia, CA
- Earliest state license record: May 26, 2015 (California), per state regulator
- States 23 years of experience (lender page, 2026-10-15)
- 24
Cindy KramerNMLS 240190
Guaranteed Rate Affinity, LLC · Newport Beach, CA
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO240190), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Newport Beach, CA
- Earliest state license record: February 20, 2014 (California), per state regulator
- 25
Steve HochreinNMLS 133559
Newrez · Columbia, MD · licensed in 15 states
- Refinance
- ✓Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI133559), verified 2026-10-24
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 21, 2011 (Florida), per state regulator
- States 14 years of experience (lender page, 2026-10-14)
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.