--- canonical_url: https://lendb.ai/s/usda/california last_verified: 2026-10-09 --- # USDA loan officers in California As of 2026-10-09, LenDb lists 83 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. ## Ranked, with reasons 1. **[Tera Greene](https://lendb.ai/lo/tera-greene-304548)** (NMLS 304548), CrossCountry Mortgage, Yuma, AZ - 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) 2. **[Cameron Gemoets](https://lendb.ai/lo/cameron-gemoets-2701842)** (NMLS 2701842), CrossCountry Mortgage, Cleveland, OH - 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) 3. **[Patrick McCabe](https://lendb.ai/lo/patrick-mccabe-463470)** (NMLS 463470), CrossCountry Mortgage, Newport Beach, CA - 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) 4. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL - 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) 5. **[Jody Richards](https://lendb.ai/lo/jody-richards-398979)** (NMLS 398979), Loan Factory, Red Bluff, CA - 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) 6. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - 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) 7. **[Lynn Marie Bruno](https://lendb.ai/lo/lynn-marie-bruno-112674)** (NMLS 112674), Guild Mortgage, Lake Oswego, OR - 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) 8. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - 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 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 9. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - 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 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Ricardo Pacheco](https://lendb.ai/lo/ricardo-pacheco-454956)** (NMLS 454956), CrossCountry Mortgage, Charlotte, NC - 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 22 years of experience (lender page, 2026-10-09) 11. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - 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 20 years of experience (lender page, 2026-10-09) 12. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - 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 2023 (per Florida records) 13. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - 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 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 14. **[Jane M Jones](https://lendb.ai/lo/jane-m-jones-320703)** (NMLS 320703), C2 Financial Corporation, CA - 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 30 years of experience (lender page, 2026-10-09) 15. **[Joe Henderson](https://lendb.ai/lo/joe-henderson-1461690)** (NMLS 1461690), C2 Financial Corporation, CA - 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) 16. **[Gregory Michael West](https://lendb.ai/lo/gregory-michael-west-1447959)** (NMLS 1447959), Loan Factory - 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) 17. **[Carlos Moctezuma](https://lendb.ai/lo/carlos-moctezuma-960434)** (NMLS 960434), First Citizens Bank, Ontario, CA - Lists USDA loan on lender page (lender page, verified 2026-10-09) - Office in Ontario, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 30 years of experience (lender page, 2026-10-09) 18. **[Chris Clark](https://lendb.ai/lo/chris-clark-1530367)** (NMLS 1530367), Loan Factory - 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) 19. **[Lacey Hood](https://lendb.ai/lo/lacey-hood-86949)** (NMLS 86949), Allied Mortgage Group, Charlotte, NC - 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 2013 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 20. **[Jack McGuire](https://lendb.ai/lo/john-mcguire-137958)** (NMLS 137958), Allied Mortgage Group, Bala Cynwyd, PA - 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 2013 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 21. **[Brian Davis](https://lendb.ai/lo/brian-davis-234157)** (NMLS 234157), CrossCountry Mortgage, Cleveland, OH - 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 2015 (per Florida records) 22. **[George Harsh](https://lendb.ai/lo/george-harsh-237004)** (NMLS 237004), CrossCountry Mortgage, Houston, TX - 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 2015 (per Colorado records) 23. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - 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 2015 (per Colorado records) 24. **[Carol Schultz Junge](https://lendb.ai/lo/carol-junge-763367)** (NMLS 763367), C2 Financial Corporation - 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 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 25. **[Carlos Rivera](https://lendb.ai/lo/carlos-rivera-823614)** (NMLS 823614), Xpert Home Lending - 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 27 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/usda/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._