{
  "canonical_url": "https://lendb.ai/s/rural/california",
  "summary": "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), Scott Daniel Storrs (C2 Financial Corporation) and Patricia Loya (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "rural",
  "state": "CA",
  "total": 3,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 398979,
        "slug": "jody-richards-398979",
        "full_name": "Jody Richards",
        "canonical_url": "https://lendb.ai/lo/jody-richards-398979",
        "json_url": "https://lendb.ai/lo/jody-richards-398979.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Red Bluff",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jody-richards-398979",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Office in Red Bluff, CA",
        "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)"
      ],
      "canonical_url": "https://lendb.ai/lo/jody-richards-398979",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/jody-richards-398979"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 1284056,
        "slug": "scott-daniel-storrs-1284056",
        "full_name": "Scott Daniel Storrs",
        "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056",
        "json_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/sstorrs/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://c2financial.com/find-a-loan-officer/sstorrs/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 1016772,
        "slug": "patricia-loya-1016772",
        "full_name": "Patricia Loya",
        "canonical_url": "https://lendb.ai/lo/patricia-loya-1016772",
        "json_url": "https://lendb.ai/lo/patricia-loya-1016772.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/patricia-loya",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/patricia-loya-1016772",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://xperthomelending.com/loan-directory/patricia-loya"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    }
  ]
}