{ "canonical_url": "https://lendb.ai/s/refinance/california", "summary": "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.", "specialty": "refinance", "state": "CA", "total": 143, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 72, "loan_officer": { "nmls_id": 961014, "slug": "simon-atik-961014", "full_name": "Simon Atik", "licensed_names": [ { "name": "Simon Atik", "name_with_middle_initial": "Simon G. Atik", "first_name": "Simon", "middle_initial": "G", "last_name": "Atik", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/simon-atik-961014", "json_url": "https://lendb.ai/lo/simon-atik-961014.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Los Angeles", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/4mxKw_rQmaUJ74O4hmMdknP8-S0xxb_9jLhSH-vV3T0/191x275.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "ar", "fr" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-01-14", "state": "CA" }, "licensed_since": { "year": 2013, "state": "CA" }, "years_experience": 30, "lender_profile_url": "https://www.grarate.com/loan-officers/simon-atik-961014", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Los Angeles, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC961014), verified 2026-10-24", "Earliest state license record: January 14, 2013 (California), per state regulator", "States 30 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/simon-atik-961014", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC961014), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 68.3, "loan_officer": { "nmls_id": 1030753, "slug": "jason-smith-1030753", "full_name": "Jason Smith", "licensed_names": [ { "name": "Jason Smith", "name_with_middle_initial": "Jason W. Smith", "first_name": "Jason", "middle_initial": "W", "last_name": "Smith", "states": [ "CA", "FL", "MA", "MD", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/jason-smith-1030753", "json_url": "https://lendb.ai/lo/jason-smith-1030753.json", "lender": { "nmls_id": 835555, "name": "Ladera Lending, Inc.", "slug": "ladera-lending-inc-835555", "canonical_url": "https://lendb.ai/lender/ladera-lending-inc-835555", "type": "imb" }, "branch": { "city": "Lake Forest", "state": "CA" }, "headshot_url": "https://laderalending.com/clients/12240/uploads/2021/07/Jason-Smith.jpg", "licensed_states": [ "FL", "TX", "OR", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-06-21", "state": "OR" }, "licensed_since": { "year": 2013, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://laderalending.com/team-member/jason-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Lake Forest, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1030753), verified 2026-10-24", "Earliest state license record: June 21, 2013 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-smith-1030753", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1030753), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 68, "loan_officer": { "nmls_id": 291314, "slug": "john-assily-291314", "full_name": "John Assily", "licensed_names": [ { "name": "John Assily", "name_with_middle_initial": "John G. Assily", "first_name": "John", "middle_initial": "G", "last_name": "Assily", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/john-assily-291314", "json_url": "https://lendb.ai/lo/john-assily-291314.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "headshot_url": "https://thevault.ccm.com/asset/cc79c199-b68e-4015-bd95-502b8732f4d5/Website/8082_Assily_291314.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "down-payment-assistance", "dscr", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-11-03", "state": "CA" }, "licensed_since": { "year": 2016, "state": "CA" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/walnut-creek-ca-8082/john-assily/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Office in Walnut Creek, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO291314), verified 2026-10-24", "Earliest state license record: November 3, 2016 (California), per state regulator", "States 30 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/john-assily-291314", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO291314), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 68, "loan_officer": { "nmls_id": 308099, "slug": "gordon-weichler-308099", "full_name": "Gordon Weichler", "licensed_names": [ { "name": "Gordon Weichler", "name_with_middle_initial": "Gordon G. Weichler", "first_name": "Gordon", "middle_initial": "G", "last_name": "Weichler", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099", "json_url": "https://lendb.ai/lo/gordon-weichler-308099.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-07-02", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/gordon-weichler", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Roseville, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC308099), verified 2026-10-24", "Earliest state license record: July 2, 2010 (California), per state regulator", "States 30 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC308099), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 67.8, "loan_officer": { "nmls_id": 344084, "slug": "george-mcfaden-344084", "full_name": "George Mcfaden", "licensed_names": [ { "name": "George McFaden", "name_with_middle_initial": "George C. McFaden", "first_name": "George", "middle_initial": "C", "last_name": "McFaden", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/george-mcfaden-344084", "json_url": "https://lendb.ai/lo/george-mcfaden-344084.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "San Francisco", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/YlPoT8qgmV693Qa9IMksgS0NJw9kI61zaa_JY0etoH4/191x275.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-15", "state": "CA" }, "licensed_since": { "year": 2014, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://www.grarate.com/loan-officers/george-mcfaden-344084", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in San Francisco, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO344084), verified 2026-10-24", "Earliest state license record: August 15, 2014 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/george-mcfaden-344084", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO344084), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 67.8, "loan_officer": { "nmls_id": 498749, "slug": "anita-aguilar-498749", "full_name": "Anita Aguilar", "licensed_names": [ { "name": "Anita Aguilar", "name_with_middle_initial": "Anita G. Aguilar", "first_name": "Anita", "middle_initial": "G", "last_name": "Aguilar", "states": [ "CA", "FL", "NY" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749", "json_url": "https://lendb.ai/lo/anita-aguilar-498749.json", "lender": { "nmls_id": 66247, "name": "Cardinal Financial Company", "slug": "cardinal-financial-66247", "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "headshot_url": "https://www.cardinalfinancial.com/wp-content/uploads/2018/08/2023-HEADSHOT-AA-600-×-600-px-4-150x150.png", "licensed_states": [ "FL", "NY", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "construction", "fha", "jumbo", "manufactured", "new-construction", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-06-23", "state": "CA" }, "licensed_since": { "year": 2011, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/anita-aguilar/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in San Diego, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC498749), verified 2026-10-24", "Earliest state license record: June 23, 2011 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC498749), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 67, "loan_officer": { "nmls_id": 833610, "slug": "edgar-aranda-833610", "full_name": "Edgar Aranda", "canonical_url": "https://lendb.ai/lo/edgar-aranda-833610", "json_url": "https://lendb.ai/lo/edgar-aranda-833610.json", "lender": { "nmls_id": 66247, "name": "Cardinal Financial Company", "slug": "cardinal-financial-66247", "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "headshot_url": "https://www.cardinalfinancial.com/wp-content/uploads/2018/08/EdgarAranda_ORIG-150x150.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "construction", "fha", "jumbo", "manufactured", "new-construction", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-12-08", "state": "CA" }, "licensed_since": { "year": 2011, "state": "CA" }, "years_experience": 25, "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/edgar-aranda/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in San Diego, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC833610), verified 2026-10-24", "Earliest state license record: December 8, 2011 (California), per state regulator", "States 25 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/edgar-aranda-833610", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC833610), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 65.5, "loan_officer": { "nmls_id": 266400, "slug": "chris-lippi-266400", "full_name": "Chris Lippi", "licensed_names": [ { "name": "Christopher Lippi", "name_with_middle_initial": "Christopher M. Lippi", "first_name": "Christopher", "middle_initial": "M", "last_name": "Lippi", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/chris-lippi-266400", "json_url": "https://lendb.ai/lo/chris-lippi-266400.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Sacramento", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/vJ_bfCEtvfrxqzEwG3PEkSmle55WHzKDFLWs-5aC1Hw/588x798.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-06-15", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 18, "lender_profile_url": "https://www.grarate.com/loan-officers/chris-lippi-266400", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Sacramento, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC266400), verified 2026-10-24", "Earliest state license record: June 15, 2010 (California), per state regulator", "States 18 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/chris-lippi-266400", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC266400), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 9, "score": 65.3, "loan_officer": { "nmls_id": 255924, "slug": "sandra-denise-smith-255924", "full_name": "Sandra Smith", "licensed_names": [ { "name": "Sandra Smith", "name_with_middle_initial": "Sandra D. Smith", "first_name": "Sandra", "middle_initial": "D", "last_name": "Smith", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/sandra-denise-smith-255924", "json_url": "https://lendb.ai/lo/sandra-denise-smith-255924.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rass-sandra-smith.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-06-03", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Walnut Creek, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC255924), verified 2026-10-24", "Earliest state license record: June 3, 2010 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sandra-denise-smith-255924", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC255924), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 10, "score": 65.3, "loan_officer": { "nmls_id": 482592, "slug": "fe-david-482592", "full_name": "Fe David", "licensed_names": [ { "name": "Fe David", "name_with_middle_initial": "Fe M. David", "first_name": "Fe", "middle_initial": "M", "last_name": "David", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/fe-david-482592", "json_url": "https://lendb.ai/lo/fe-david-482592.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Burlingame", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/WFWV8Yrs9EnHsv1oEOmfY-HwqifS809CvG_uAEF1nAw/191x275.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2015-06-01", "state": "CA" }, "licensed_since": { "year": 2015, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.grarate.com/loan-officers/the-david-team-482592", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Burlingame, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO482592), verified 2026-10-24", "Earliest state license record: June 1, 2015 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/fe-david-482592", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO482592), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 11, "score": 64.8, "loan_officer": { "nmls_id": 264030, "slug": "michelle-morris-264030", "full_name": "Michelle Morris", "licensed_names": [ { "name": "Michelle Morris", "name_with_middle_initial": "Michelle B. Morris", "first_name": "Michelle", "middle_initial": "B", "last_name": "Morris", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/michelle-morris-264030", "json_url": "https://lendb.ai/lo/michelle-morris-264030.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/KdnqyRxgGYnauXJcQKYXRhLnz3ZpqaFtRMnzrcyqBh0/191x275.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-02-08", "state": "CA" }, "licensed_since": { "year": 2016, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.grarate.com/loan-officers/michelle-morris-264030", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in San Diego, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO264030), verified 2026-10-24", "Earliest state license record: February 8, 2016 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michelle-morris-264030", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO264030), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 12, "score": 64.8, "loan_officer": { "nmls_id": 2022873, "slug": "ashton-pereida-rice-2022873", "full_name": "Ashton Pereida-Rice", "licensed_names": [ { "name": "Ashton Pereida-Rice", "name_with_middle_initial": "Ashton A. Pereida-Rice", "first_name": "Ashton", "middle_initial": "A", "last_name": "Pereida-Rice", "states": [ "CA", "IA", "NY", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/ashton-pereida-rice-2022873", "json_url": "https://lendb.ai/lo/ashton-pereida-rice-2022873.json", "lender": { "nmls_id": 835555, "name": "Ladera Lending, Inc.", "slug": "ladera-lending-inc-835555", "canonical_url": "https://lendb.ai/lender/ladera-lending-inc-835555", "type": "imb" }, "branch": { "city": "Ladera Ranch", "state": "CA" }, "headshot_url": "https://laderalending.com/clients/12240/uploads/2025/05/Ashton.png", "licensed_states": [ "TX", "CA", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-09-14", "state": "IA" }, "licensed_since": { "year": 2020, "state": "IA" }, "years_experience": 5, "lender_profile_url": "https://laderalending.com/team-member/ashton-pereida-rice/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Ladera Ranch, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2022873), verified 2026-10-24", "Earliest state license record: September 14, 2020 (Iowa), per state regulator", "States 5 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/ashton-pereida-rice-2022873", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2022873), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 13, "score": 64.5, "loan_officer": { "nmls_id": 1621681, "slug": "megan-curtis-1621681", "full_name": "Megan Curtis", "licensed_names": [ { "name": "Megan Curtis", "name_with_middle_initial": "Megan S. Curtis", "first_name": "Megan", "middle_initial": "S", "last_name": "Curtis", "states": [ "AR", "CA", "CO", "DE", "FL", "IA", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "json_url": "https://lendb.ai/lo/megan-curtis-1621681.json", "lender": { "nmls_id": 35953, "name": "Pennymac", "slug": "pennymac-35953", "canonical_url": "https://lendb.ai/lender/pennymac-35953", "type": "imb" }, "branch": { "city": "Pasadena", "state": "CA" }, "headshot_url": "https://www.pennymac.com/assets/images/find-loan-officer/headshots/megan-curtis.jpg", "licensed_states": [ "FL", "CO", "TX", "DE", "AZ", "CA", "NJ", "AR", "IA" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "investor", "jumbo", "multi-family-2-4", "usda", "va", "vacation-home" ], "years_licensed": null, "earliest_license_record": { "date": "2017-09-12", "state": "CO" }, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.pennymac.com/find-loan-officer/megan-curtis", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Pasadena, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI1621681), verified 2026-10-24", "Earliest state license record: September 12, 2017 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI1621681), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 14, "score": 62.5, "loan_officer": { "nmls_id": 410338, "slug": "kimberly-shuey-410338", "full_name": "Kim Shuey", "licensed_names": [ { "name": "Kimberly Shuey", "name_with_middle_initial": "Kimberly A. Shuey", "first_name": "Kimberly", "middle_initial": "A", "last_name": "Shuey", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Kimberly Shuey", "name_with_middle_initial": null, "first_name": "Kimberly", "middle_initial": null, "last_name": "Shuey", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg", "licensed_states": [ "FL", "CO", "TX", "CT", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-22", "state": "TX" }, "licensed_since": { "year": 2011, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO410338), verified 2026-10-24", "Earliest state license record: July 22, 2011 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO410338), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 15, "score": 62.5, "loan_officer": { "nmls_id": 632979, "slug": "edward-woolery-632979", "full_name": "Ed Woolery", "licensed_names": [ { "name": "Edward Woolery", "name_with_middle_initial": "Edward R. Woolery", "first_name": "Edward", "middle_initial": "R", "last_name": "Woolery", "states": [ "CA", "CO", "FL" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/edward-woolery-632979", "json_url": "https://lendb.ai/lo/edward-woolery-632979.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "La Jolla", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/w1HuKtK4RTxF0Oq0WHW9hZlOGljLjoRBYo6vMzwLsIQ/191x275.jpg", "licensed_states": [ "FL", "CO", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-10-05", "state": "CA" }, "licensed_since": { "year": 2018, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.grarate.com/loan-officers/ed-woolery-632979", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in La Jolla, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO632979), verified 2026-10-24", "Earliest state license record: October 5, 2018 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/edward-woolery-632979", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO632979), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 16, "score": 62.3, "loan_officer": { "nmls_id": 1462507, "slug": "felix-ochoa-1462507", "full_name": "Felix Ochoa", "licensed_names": [ { "name": "Felix Ochoa", "name_with_middle_initial": "Felix C. Ochoa", "first_name": "Felix", "middle_initial": "C", "last_name": "Ochoa", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/felix-ochoa-1462507", "json_url": "https://lendb.ai/lo/felix-ochoa-1462507.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Pomona", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "fha", "foreign-national", "heloc", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-06-30", "state": "CA" }, "licensed_since": { "year": 2017, "state": "CA" }, "years_experience": 10, "lender_profile_url": "https://www.apmortgage.com/felix-ochoa", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Pomona, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1462507), verified 2026-10-24", "Earliest state license record: June 30, 2017 (California), per state regulator", "States 10 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/felix-ochoa-1462507", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1462507), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 17, "score": 62, "loan_officer": { "nmls_id": 241577, "slug": "beverly-liesy-241577", "full_name": "Beverly Liesy", "licensed_names": [ { "name": "Beverly Liesy", "name_with_middle_initial": "Beverly L. Liesy", "first_name": "Beverly", "middle_initial": "L", "last_name": "Liesy", "states": [ "CA", "FL", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "json_url": "https://lendb.ai/lo/beverly-liesy-241577.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/d2/9f/4e/5906/0.12677200_1588793679-test.jpg", "licensed_states": [ "FL", "TX", "OR", "CA", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-04-30", "state": "OR" }, "licensed_since": { "year": 2019, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO241577), verified 2026-10-24", "Earliest state license record: April 30, 2019 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO241577), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 18, "score": 62, "loan_officer": { "nmls_id": 865895, "slug": "kathleen-spicuzza-865895", "full_name": "Kathleen Spicuzza", "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "json_url": "https://lendb.ai/lo/kathleen-spicuzza-865895.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/m/6cb897a66295b38f/Website-3493_Spicuzza_865895.jpg", "licensed_states": [ "FL", "AZ", "CA", "NV", "TN", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-09-18", "state": "CA" }, "licensed_since": { "year": 2019, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO865895), verified 2026-10-24", "Earliest state license record: September 18, 2019 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO865895), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 19, "score": 61.3, "loan_officer": { "nmls_id": 241170, "slug": "connie-buchanan-241170", "full_name": "Connie Buchanan", "canonical_url": "https://lendb.ai/lo/connie-buchanan-241170", "json_url": "https://lendb.ai/lo/connie-buchanan-241170.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "San Francisco", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "fha", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "reverse", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/connie-buchanan", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in San Francisco, CA", "Licensed in CA: confirmed with the California Department of Real Estate (license 01200004), verified 2026-10-24" ], "canonical_url": "https://lendb.ai/lo/connie-buchanan-241170", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01200004), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 20, "score": 61, "loan_officer": { "nmls_id": 95809, "slug": "stephanie-o-farrell-95809", "full_name": "Stephanie O'Farrell", "licensed_names": [ { "name": "Stephanie O'Farrell", "name_with_middle_initial": "Stephanie L. O'Farrell", "first_name": "Stephanie", "middle_initial": "L", "last_name": "O'Farrell", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/Stephanie_OFarrell.png", "licensed_states": [ "FL", "CO", "TX", "CT", "LA", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2008-11-17", "state": "IL" }, "licensed_since": { "year": 2008, "state": "IL" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO95809), verified 2026-10-24", "Earliest state license record: November 17, 2008 (Illinois), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO95809), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 21, "score": 60.3, "loan_officer": { "nmls_id": 395158, "slug": "bryan-zada-395158", "full_name": "Bryan Zada", "licensed_names": [ { "name": "Bryan Zada", "name_with_middle_initial": "Bryan R. Zada", "first_name": "Bryan", "middle_initial": "R", "last_name": "Zada", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/bryan-zada-395158", "json_url": "https://lendb.ai/lo/bryan-zada-395158.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Long Beach", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/UNGUAwFKa25cSPtjreFyPbYHPZbG0tGhHeTHQ_8RYLA/191x275.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-07-26", "state": "CA" }, "licensed_since": { "year": 2021, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.grarate.com/loan-officers/bryan-zada-395158", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Long Beach, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI395158), verified 2026-10-24", "Earliest state license record: July 26, 2021 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/bryan-zada-395158", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI395158), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 22, "score": 60.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. Witter", "first_name": "Lindsay", "middle_initial": "R", "last_name": "Witter", "states": [ "AR", "CA", "CO", "CT", "FL", "IA", "LA", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "json_url": "https://lendb.ai/lo/lindsay-witter-700709.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CO", "CT", "TX", "LA", "AK", "AL", "AZ", "CA", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "ME", "MI", "MO", "MT", "NC", "ND", "NE", "NH", "NM", "NV", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "UT", "WA", "WI", "AR", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "dscr", "foreign-national", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "reverse", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-01-26", "state": "OR" }, "licensed_since": { "year": 2012, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lindsay-witter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Roseville, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO700709), verified 2026-10-24", "Earliest state license record: January 26, 2012 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO700709), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 23, "score": 60, "loan_officer": { "nmls_id": 1239383, "slug": "fidel-mazon-1239383", "full_name": "Fidel Mazon", "licensed_names": [ { "name": "Fidel Mazon", "name_with_middle_initial": "Fidel F. Mazon", "first_name": "Fidel", "middle_initial": "F", "last_name": "Mazon", "states": [ "CA", "MO" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/fidel-mazon-1239383", "json_url": "https://lendb.ai/lo/fidel-mazon-1239383.json", "lender": { "nmls_id": 133739, "name": "Panorama Mortgage Group, LLC", "slug": "panorama-mortgage-group-llc-133739", "canonical_url": "https://lendb.ai/lender/panorama-mortgage-group-llc-133739", "type": "imb" }, "branch": { "city": "Visalia", "state": "CA" }, "headshot_url": "https://cdn.prod.website-files.com/643efd2c8341bea331c4cfc8/677efc08768aab4c0f78e8ef_fidel_manzon.png", "licensed_states": [ "MO", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2015-05-26", "state": "CA" }, "licensed_since": { "year": 2015, "state": "CA" }, "years_experience": 23, "lender_profile_url": "https://www.simplypmg.net/loan-originators/fidel-mazon", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Visalia, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1239383), verified 2026-10-24", "Earliest state license record: May 26, 2015 (California), per state regulator", "States 23 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/fidel-mazon-1239383", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1239383), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 24, "score": 59.8, "loan_officer": { "nmls_id": 240190, "slug": "cindy-kramer-240190", "full_name": "Cindy Kramer", "licensed_names": [ { "name": "Cynthia Kramer", "name_with_middle_initial": "Cynthia M. Kramer", "first_name": "Cynthia", "middle_initial": "M", "last_name": "Kramer", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/cindy-kramer-240190", "json_url": "https://lendb.ai/lo/cindy-kramer-240190.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "headshot_url": "https://a.mktgcdn.com/p/0rD-5UHVo3t_GIJM6pTEofT_s0Tzrw4O77xUn5zVw0k/191x275.jpg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-02-20", "state": "CA" }, "licensed_since": { "year": 2014, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.grarate.com/loan-officers/cindy-kramer-240190", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Newport Beach, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO240190), verified 2026-10-24", "Earliest state license record: February 20, 2014 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/cindy-kramer-240190", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO240190), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 25, "score": 59.5, "loan_officer": { "nmls_id": 133559, "slug": "steven-hochrein-133559", "full_name": "Steve Hochrein", "licensed_names": [ { "name": "Steven Hochrein", "name_with_middle_initial": "Steven F. Hochrein", "first_name": "Steven", "middle_initial": "F", "last_name": "Hochrein", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "MO", "NY", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Steven Hochrein", "name_with_middle_initial": null, "first_name": "Steven", "middle_initial": null, "last_name": "Hochrein", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559", "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://www.newrez.com/media/l0dokb2s/steven-hochrein-1.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "TX", "CT", "LA", "DE", "MO", "AZ", "MA", "AR", "IA", "WI", "CA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-02-21", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI133559), verified 2026-10-24", "Earliest state license record: February 21, 2011 (Florida), per state regulator", "States 14 years of experience (lender page, 2026-10-14)" ], "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI133559), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }