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Property types · California

Rural property loan officers in California

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in California whose lender pages show Rural property work. The top-ranked are Jody Richards (Loan Factory, Red Bluff), Patricia Loya (Xpert Home Lending) and Scott Daniel Storrs (C2 Financial Corporation). 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

    Jody RichardsNMLS 398979

    Loan Factory · Mortgage broker · Red Bluff, CA

    • Rural property
    • DSCR loan
    • FHA loan
    • USDA loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Office in Red Bluff, CA
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Patricia LoyaNMLS 1016772

    Xpert Home Lending · Mortgage broker

    • Rural property
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
  3. 3

    Scott Daniel StorrsNMLS 1284056

    C2 Financial Corporation · Mortgage broker

    • Rural property
    • DSCR loan
    • Real estate investor
    • 2 to 4 unit property
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Rural property on lender page (lender page, verified 2026-10-09)

Before you choose

Appraisals lack comparable sales, and acreage limits, outbuildings and water or septic inspections can derail approval.

  • What is your maximum acreage, and how do you treat outbuildings?
  • Do you have appraisers who know rural properties in this county?
  • Does this location qualify for USDA financing?

More about Rural property

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=rural&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.