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Loan programs · California

USDA loan officers in California

As of 2026-10-09, LenDb lists 148 loan officers licensed in or based in California whose lender pages show USDA loan work. The top-ranked are Kurt R Kessler (Barrett Financial Group, Carlsbad), Diana Legaspi (Guild Mortgage, Morgan Hill) and Gilbert Salazar (Guild Mortgage, Irvine). 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. 1

    Kurt R KesslerNMLS 365130

    Barrett Financial Group · Carlsbad, CA

    • USDA loan
    • DSCR loan
    • FHA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 30 years experience (stated on lender page, 2026-10-09)
  2. 2

    Diana LegaspiNMLS 1175742

    Guild Mortgage · Morgan Hill, CA

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 18 years experience (stated on lender page, 2026-10-09)
  3. 3

    Gilbert SalazarNMLS 344711

    Guild Mortgage · Irvine, CA · licensed in 7 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 12 years licensed
  4. 4

    Andrew SchmidtNMLS 201143

    Churchill Mortgage · Scottsdale, AZ · licensed in 7 states

    • USDA loan
    • FHA loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  5. 5

    Tera GreeneNMLS 304548

    CrossCountry Mortgage · Yuma, AZ · licensed in 2 states

    • USDA loan
    • Construction loan
    • Down payment assistance
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Kevin HolmesNMLS 193246

    NFM Lending · Linthicum, MD · licensed in 23 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Lenae VandegriftNMLS 649456

    American Pacific Mortgage · Thornton, CO · licensed in 10 states

    • USDA loan
    • Condo
    • FHA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Chris MartoranoNMLS 130044

    Guild Mortgage · Chicago, IL · licensed in 10 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Kristina HernandezNMLS 225677

    Homeowners Financial Group · Folsom, CA · licensed in 2 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • No disciplinary actions on file at LenDb
  10. 10

    Robert TurriettaNMLS 276555

    Guild Mortgage · Sacramento, CA

    • USDA loan
    • FHA loan
    • Reverse mortgage
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • No disciplinary actions on file at LenDb
  11. 11

    Collin CliffordNMLS 1529510

    Barrett Financial Group · San Diego, CA · licensed in 4 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • No disciplinary actions on file at LenDb
  12. 12

    Terry MarvinNMLS 2095803

    Loan Factory · Redondo Beach, CA

    • USDA loan
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 30 years experience (stated on lender page, 2026-10-09)
  13. 13

    Jane M JonesNMLS 320703

    C2 Financial Corporation · California

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 30 years experience (stated on lender page, 2026-10-09)
  14. 14

    Joe HendersonNMLS 1461690

    C2 Financial Corporation · California

    • USDA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 24 years experience (stated on lender page, 2026-10-09)
  15. 15

    Alexandra VazquezNMLS 2800316

    American Pacific Mortgage · Roseville, CA

    • USDA loan
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • No disciplinary actions on file at LenDb
  16. 16

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • USDA loan
    • DSCR loan
    • FHA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Bhavin LNMLS 2603295

    Loan Factory · California

    • USDA loan
    • DSCR loan
    • FHA loan
    • Real estate investor
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • No disciplinary actions on file at LenDb
  18. 18

    Jaylan Lee BellNMLS 2723910

    Loan Factory · California

    • USDA loan
    • FHA loan
    • First-time buyer
    • Non-QM loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • No disciplinary actions on file at LenDb
  19. 19

    John SchwabNMLS 223945

    Guild Mortgage · Aurora, IL · licensed in 10 states

    • USDA loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • USDA loan
    • First-time buyer
    • Real estate investor
    • FHA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Gregory Michael WestNMLS 1447959

    Loan Factory · licensed in 9 states

    • USDA loan
    • ITIN borrower
    • VA loan
    • First-time buyer
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    David CumminsNMLS 240810

    American Pacific Mortgage · Escondido, CA · licensed in 4 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • Branch in California
    • 2 years licensed
  23. 23

    Todd McDermottNMLS 63690

    Homestead Funding · Goshen, NY · licensed in 9 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in CA (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Steve WeningerNMLS 448361

    Empire Home Loans · Fair Oaks, CA

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Branch in California; no license list on file yet, verify at NMLS Consumer Access
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Christine SmithNMLS 502110

    Empire Home Loans · Fair Oaks, CA

    • USDA loan
    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Branch in California; no license list on file yet, verify at NMLS Consumer Access
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Property location and household income limits must both qualify, and USDA approval adds time to the closing.

  • Is this address in a USDA eligible area?
  • Does my household income fall under the limit for this county?
  • How long does USDA approval take with you right now?

More about USDA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in CA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

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