{ "canonical_url": "https://lendb.ai/s/usda/california", "summary": "As of 2026-10-09, LenDb lists 52 loan officers licensed in or based in California whose lender pages show USDA loan work. The top-ranked are Tera Greene (CrossCountry Mortgage, Yuma), Cameron Gemoets (CrossCountry Mortgage, Cleveland) and Patrick McCabe (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "usda", "state": "CA", "total": 52, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 304548, "slug": "tera-greene-304548", "full_name": "Tera Greene", "canonical_url": "https://lendb.ai/lo/tera-greene-304548", "json_url": "https://lendb.ai/lo/tera-greene-304548.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Yuma", "state": "AZ" }, "licensed_states": [ "AZ", "CA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/yuma-az-4633/tera-greene/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan 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)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tera-greene-304548", "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://crosscountrymortgage.com/yuma-az-4633/tera-greene/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 2701842, "slug": "cameron-gemoets-2701842", "full_name": "Cameron Gemoets", "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "licensed_states": [ "FL", "CA", "GA", "IL", "IN", "MN", "MO", "OH", "OK", "TN", "TX", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan 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)", "Licensed since 2025 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "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://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 463470, "slug": "patrick-mccabe-463470", "full_name": "Patrick McCabe", "canonical_url": "https://lendb.ai/lo/patrick-mccabe-463470", "json_url": "https://lendb.ai/lo/patrick-mccabe-463470.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4927/patrick-mccabe/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in Newport Beach, 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/patrick-mccabe-463470", "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://crosscountrymortgage.com/newport-beach-ca-4927/patrick-mccabe/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.8, "loan_officer": { "nmls_id": 1473179, "slug": "alexis-varga-1473179", "full_name": "Alexis Varga", "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "json_url": "https://lendb.ai/lo/alexis-varga-1473179.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "CA", "CO", "GA", "IL", "IN", "KY", "MI", "OH", "OR", "PA", "TN" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan 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)", "Licensed since 2016 (per Colorado records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "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://crosscountrymortgage.com/chicago-il-3051/alexis-varga/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54, "loan_officer": { "nmls_id": 1461690, "slug": "joe-henderson-1461690", "full_name": "Joe Henderson", "canonical_url": "https://lendb.ai/lo/joe-henderson-1461690", "json_url": "https://lendb.ai/lo/joe-henderson-1461690.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": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 24, "lender_profile_url": "https://c2financial.com/find-a-loan-officer/jhenderson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in California", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joe-henderson-1461690", "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/jhenderson/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 53.8, "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 USDA loan 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": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 52, "loan_officer": { "nmls_id": 649456, "slug": "lenae-vandegrift-649456", "full_name": "Lenae Vandegrift", "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Thornton", "state": "CO" }, "licensed_states": [ "FL", "CO", "CA", "MI", "NM", "OK", "SC", "TX", "WI", "WY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "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": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan 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)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "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.apmortgage.com/lenae-vandegrift" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 112674, "slug": "lynn-marie-bruno-112674", "full_name": "Lynn Marie Bruno", "canonical_url": "https://lendb.ai/lo/lynn-marie-bruno-112674", "json_url": "https://lendb.ai/lo/lynn-marie-bruno-112674.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lake Oswego", "state": "OR" }, "licensed_states": [ "CA", "OR", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "recent-credit-event", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://branches.guildmortgage.com/or/lakeoswego/lynn-bruno-624-mglb.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan 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)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lynn-marie-bruno-112674", "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://branches.guildmortgage.com/or/lakeoswego/lynn-bruno-624-mglb.html" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 256481, "slug": "coley-rau-256481", "full_name": "Coley Rau", "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "json_url": "https://lendb.ai/lo/coley-rau-256481.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bryan", "state": "OH" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "MI", "MO", "MS", "MT", "NC", "ND", "NE", "NJ", "OH", "SC", "SD", "TN", "TX", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; 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