{ "canonical_url": "https://lendb.ai/s/vacation-home/california", "summary": "As of 2026-10-09, LenDb lists 78 loan officers licensed in or based in California whose lender pages show Vacation home work. The top-ranked are Daniel Patrick Nacarato (Barrett Financial Group, Chandler), Eevon Aw (JPMorgan Chase Bank (Chase Home Lending), San Jose) and Pat Fox (Union Home Mortgage, Tigard). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "vacation-home", "state": "CA", "total": 78, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 247584, "slug": "daniel-nacarato-247584", "full_name": "Daniel Patrick Nacarato", "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "json_url": "https://lendb.ai/lo/daniel-nacarato-247584.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "FL", "CO", "CA", "NV", "OR" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://www.barrettfinancial.com/dnacarato", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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 Colorado records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "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.barrettfinancial.com/dnacarato" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 58.8, "loan_officer": { "nmls_id": 895550, "slug": "eevon-aw-895550", "full_name": "Eevon Aw", "canonical_url": "https://lendb.ai/lo/eevon-aw-895550", "json_url": "https://lendb.ai/lo/eevon-aw-895550.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Jose", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 13, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-jose/1077-e-brokaw-rd-hla-895550", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in San Jose, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eevon-aw-895550", "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://homelendingadvisor.chase.com/ca/san-jose/1077-e-brokaw-rd-hla-895550" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 58.3, "loan_officer": { "nmls_id": 199779, "slug": "pat-fox-199779", "full_name": "Pat Fox", "canonical_url": "https://lendb.ai/lo/pat-fox-199779", "json_url": "https://lendb.ai/lo/pat-fox-199779.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Tigard", "state": "OR" }, "licensed_states": [ "AZ", "CA", "MT", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/pat-fox-199779", "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.uhm.com/loan-officers/pat-fox/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.8, "loan_officer": { "nmls_id": 528786, "slug": "jacqueline-allen-528786", "full_name": "Jacqueline Allen", "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786", "json_url": "https://lendb.ai/lo/jacqueline-allen-528786.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "El Segundo", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "ID", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/el-segundo-ca-8089/jacqueline-allen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in El Segundo, CA", "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)" ], "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786", "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/el-segundo-ca-8089/jacqueline-allen/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 51.3, "loan_officer": { "nmls_id": 459665, "slug": "roxana-rodriguez-459665", "full_name": "Roxana Rodriguez", "canonical_url": "https://lendb.ai/lo/roxana-rodriguez-459665", "json_url": "https://lendb.ai/lo/roxana-rodriguez-459665.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Bernardino", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-bernardino/330-n-d-st-hla-459665", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in San Bernardino, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/roxana-rodriguez-459665", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 50.5, "loan_officer": { "nmls_id": 342475, "slug": "bobby-shamlou-342475", "full_name": "Bobby Shamlou", "canonical_url": "https://lendb.ai/lo/bobby-shamlou-342475", "json_url": "https://lendb.ai/lo/bobby-shamlou-342475.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Morgan Hill", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/morgan-hill/17599-monterey-st-hla-342475", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Morgan Hill, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/bobby-shamlou-342475", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 50.5, "loan_officer": { "nmls_id": 377577, "slug": "craig-carlson-377577", "full_name": "Craig Carlson", "canonical_url": "https://lendb.ai/lo/craig-carlson-377577", "json_url": "https://lendb.ai/lo/craig-carlson-377577.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Hesperia", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/hesperia/12731-main-st-hla-377577", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Hesperia, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/craig-carlson-377577", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 50.5, "loan_officer": { "nmls_id": 448575, "slug": "richard-paulson-448575", "full_name": "Richard Paulson", "canonical_url": "https://lendb.ai/lo/richard-paulson-448575", "json_url": "https://lendb.ai/lo/richard-paulson-448575.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Redlands", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/redlands/700-e-redlands-blvd-hla-448575", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Redlands, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/richard-paulson-448575", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 50.5, "loan_officer": { "nmls_id": 453231, "slug": "paul-perrone-453231", "full_name": "Paul Perrone", "canonical_url": "https://lendb.ai/lo/paul-perrone-453231", "json_url": "https://lendb.ai/lo/paul-perrone-453231.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Costa Mesa", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/costa-mesa/1455-baker-st-hla-453231", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Costa Mesa, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/paul-perrone-453231", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 50.5, "loan_officer": { "nmls_id": 591537, "slug": "nathan-correa-591537", "full_name": "Nathan Correa", "canonical_url": "https://lendb.ai/lo/nathan-correa-591537", "json_url": "https://lendb.ai/lo/nathan-correa-591537.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Pleasant Hill", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/pleasant-hill/1898-contra-costa-blvd-hla-591537", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Pleasant Hill, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/nathan-correa-591537", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 50.5, "loan_officer": { "nmls_id": 666572, "slug": "shawna-watson-666572", "full_name": "Shawna Watson", "canonical_url": "https://lendb.ai/lo/shawna-watson-666572", "json_url": "https://lendb.ai/lo/shawna-watson-666572.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Monterey", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/monterey/291-alvarado-st-hla-666572", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Monterey, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/shawna-watson-666572", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 49.8, "loan_officer": { "nmls_id": 360753, "slug": "chris-noceti-360753", "full_name": "Chris Noceti", "canonical_url": "https://lendb.ai/lo/chris-noceti-360753", "json_url": "https://lendb.ai/lo/chris-noceti-360753.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-francisco/1-front-st-hla-360753", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/chris-noceti-360753", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/matthew-redman-653015", "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://homelendingadvisor.chase.com/ca/san-diego/3800-5th-ave-hla-653015" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 44.8, "loan_officer": { "nmls_id": 1091936, "slug": "chelsy-combs-1091936", "full_name": "Chelsy Jae Combs", "canonical_url": "https://lendb.ai/lo/chelsy-combs-1091936", "json_url": "https://lendb.ai/lo/chelsy-combs-1091936.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Truckee", "state": "CA" }, "licensed_states": [ "CA", "NV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/truckee/chelsy-combs-795-rrcco.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Truckee, CA", "CA listed on their lender page (not yet checked with the state regulator; 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