STATE OF CALIFORNIA
DEPARTMENT OF REAL ESTATE

In reviewing a licensee's information, please be aware that license discipline information may have been removed from a licensee's record pursuant to Business & Professions Code Section 10083.2 (c). However, discipline information may be available from the California Department of Real Estate upon submittal of a request, or by calling the Department's public information line at 1-877-373-4542.
The license information shown below represents public information. It will not reflect pending licensing changes which are being reviewed for subsequent updating. Although the business and mailing addresses of real estate licensees are included, this information is not intended for mass mailing purposes.
Some historical disciplinary action documents may not be in compliance with certain accessibility functions. For assistance with these documents, please contact the Department's Licensing Flag Section.

License information taken from records of the Department of Real Estate on 11/20/2025 6:01:50 AM
License Type:
CORPORATION

Name:
Pacific Bay Lending, Inc.

Mailing Address:
121 PAUL DR STE D
SAN RAFAEL, CA 94903

License ID:
01874818

Expiration Date:
12/14/29

License Status:
LICENSED

MLO License Endorsement:

318011 (Click here to check the status of the MLO License Endorsement.)

Corporation License Issued:
12/15/09

Former Name(s):
NO FORMER NAMES

Main Office:
121 PAUL DR STE D
SAN RAFAEL, CA 94903

Licensed Officer(s):
DESIGNATED OFFICER
00947320 - Expiration Date: 12/14/29
O'Reilly, Michael James

DBA
Advantage Funding
ACTIVE AS OF 06/23/2016

A Power Team Lending
ACTIVE AS OF 01/30/2014

Atalanta Financial
ACTIVE AS OF 07/20/2016

ATA Realty
ACTIVE AS OF 07/20/2016

Bear Flag Mortgage
ACTIVE FROM 09/19/2019 TO 09/14/2025

Community Lending Network
ACTIVE AS OF 01/08/2016

Elite Mortgage Services
ACTIVE AS OF 05/29/2012

Fidelity Guaranty Funding
ACTIVE AS OF 08/22/2016

House Of Mortgage
ACTIVE AS OF 03/23/2016

Loan Queen
ACTIVE FROM 09/12/2019 TO 09/14/2025

The Mortgage Hub
ACTIVE AS OF 07/20/2016

New Vintage Mortgage
ACTIVE FROM 07/20/2016 TO 09/14/2025

New Vintage Mortgage Services
ACTIVE FROM 01/27/2017 TO 09/14/2025

Pacific Bay Lending Tahoe
ACTIVE FROM 08/22/2016 TO 09/14/2025

PBL Realty
ACTIVE AS OF 01/27/2017

Peterson Lending Group
ACTIVE AS OF 02/06/2015

Recommended Loan Broker
ACTIVE AS OF 07/20/2016

reversemortgagemarin.com
ACTIVE AS OF 09/07/2021

www.advantagefunding.net
ACTIVE AS OF 06/23/2016

www.atalantafinancial.com
ACTIVE AS OF 07/20/2016

www.ata-realty.com
ACTIVE AS OF 07/20/2016

www.communitylendingnetwork.com
ACTIVE AS OF 09/12/2016

www.fidelityguaranty.com
ACTIVE AS OF 08/22/2016

www.homesweetloan.org
ACTIVE AS OF 04/27/2016

www.houseofmortgage.com
ACTIVE AS OF 03/23/2016

www.idogreatloans.com
ACTIVE AS OF 11/01/2012

www.newvintagemtg.com
ACTIVE AS OF 07/20/2016

www.onestoploan.net
ACTIVE AS OF 01/08/2016

www.ownsweethome.net
ACTIVE AS OF 04/17/2017

www.pacificbaylendingtahoe.com
ACTIVE AS OF 08/22/2016

www.pblreverse.com
ACTIVE AS OF 08/22/2018

www.petersonlendinggroup.com
ACTIVE AS OF 04/14/2014

www.themortgagehubsd.com
ACTIVE AS OF 09/12/2016

www.wedogreatloans.com
ACTIVE AS OF 05/15/2014

Branches:
1190 S BASCOM AVE STE 211
SAN JOSE, CA 95128

13442 FAIRWAY DR
TRUCKEE, CA 96161

31 MARTHA RD
ORINDA, CA 94563

35 WILLIAMS DRIVE
MORAGA, CA 94556

350 COLLEGE AVE #200
SANTA ROSA, CA 95401

362 IGNACIO BLVD
NOVATO, CA 94949

4 EMBARCADERO CENTER #1400
SAN FRANCISCO, CA 94111

5256 S MISSION RD #118
BONSALL, CA 92003

700 LARKSPUR LANDING CIR
STE 199
LARKSPUR, CA 94939

703 2ND ST STE 255
SANTA ROSA, CA 95404

820 GRANT AVE
NOVATO, CA 94945

Broker Associates:
00920726 - Atabakhsh, Yousef
                  License Expiration Date: 10/10/2029

01350284 - Baker, Mark William
                  License Expiration Date: 01/10/2027

01064213 - Buerger, Robert Michael
                  License Expiration Date: 09/18/2026

01313949 - Fong, Roger Keith
                  License Expiration Date: 02/20/2026

01293431 - Hubbard, Todd Gavin
                  License Expiration Date: 10/27/2028

01767088 - Huff, Michelle Marie
                  License Expiration Date: 07/17/2026

02139950 - Ingman, Lev
                  License Expiration Date: 10/02/2027

01361472 - Khorram, Homayoun Tom
                  License Expiration Date: 03/15/2026

00886345 - King, Isabel Susan
                  License Expiration Date: 11/21/2026

01025917 - Mayne, Jeffrey Brian
                  License Expiration Date: 05/16/2029

01393600 - Micco, Christopher Anthony
                  License Expiration Date: 10/06/2027

00959482 - Morris, Bonnie Lynn
                  License Expiration Date: 05/08/2027

00971579 - O'Donnell, Gregory Charles
                  License Expiration Date: 04/28/2028

01215526 - Pardi, Michael Henry
                  License Expiration Date: 01/04/2029

01012085 - Pearce, Jeff H
                  License Expiration Date: 11/14/2027

01234562 - Pelham, Kimberly Ann
                  License Expiration Date: 08/28/2026

01806423 - Ruchka, Mariya
                  License Expiration Date: 05/18/2027

00803120 - Saunders, Norma Roxanne
                  License Expiration Date: 10/16/2028

01358490 - Schaul, Denise Crosetti
                  License Expiration Date: 11/07/2026

00797671 - Shaw, Garry Lewis
                  License Expiration Date: 11/22/2028

01295091 - Shummon, Samuel Alphonse
                  License Expiration Date: 09/29/2028

01245133 - Slevin, Hugo T
                  License Expiration Date: 06/19/2029

01406918 - Snyder, Todd A
                  License Expiration Date: 06/11/2026

01231409 - Tao, Beatrice
                  License Expiration Date: 06/05/2029

00973809 - Wiley, Steven Lee
                  License Expiration Date: 07/28/2029

01257024 - Zachary, Kimberly Sue
                  License Expiration Date: 06/26/2028

Salespersons:
01252120 - Akay, Nilgun
                  License Expiration Date: 12/29/2026

01381958 - Akman-Toprak, Dilek
                  License Expiration Date: 12/18/2027

01189911 - Caceres, Carol Nancy
                  License Expiration Date: 08/02/2027

01239285 - Candau, Michael John
                  License Expiration Date: 05/22/2026

01077654 - Carroll, Sean Eric
                  License Expiration Date: 11/26/2026

01198565 - Cunniffe, Rick John
                  License Expiration Date: 02/08/2028

01004676 - De Leon, Anna Marie
                  License Expiration Date: 12/17/2028

01375656 - Donnici, Mary Louise
                  License Expiration Date: 05/07/2027

01351298 - Everett, Mark Clifford
                  License Expiration Date: 02/06/2027

01119654 - Foretay, Gregory Louis
                  License Expiration Date: 05/10/2029

01465678 - Hanson, Jessica Raquel
                  License Expiration Date: 04/10/2029

00634978 - Hoopes, William Courtney
                  License Expiration Date: 09/05/2026

01913366 - Hubbard, Christine Marie
                  License Expiration Date: 04/12/2028

00679678 - Inciardi, Brian Randall
                  License Expiration Date: 12/14/2028

01766859 - James, Leann Renee
                  License Expiration Date: 05/24/2027

01296161 - Joy, Daniel M
                  License Expiration Date: 09/22/2028

00899774 - Monico, Efrain Alberto
                  License Expiration Date: 07/19/2026

02209342 - Richard, John Joseph
                  License Expiration Date: 12/05/2027

01368188 - Saglam, Ilknur
                  License Expiration Date: 03/16/2027

01392969 - Samrick, Joel Aaron
                  License Expiration Date: 09/18/2027

01368209 - Sanli, Alpay
                  License Expiration Date: 05/24/2027

01457395 - Singh, Ashvin Kumar
                  License Expiration Date: 12/08/2028

01342813 - Spencer, Lori Lee
                  License Expiration Date: 06/28/2026

01180753 - Teeple, Deon Lynn
                  License Expiration Date: 05/03/2026

01872457 - Wolfe, Nettie M
                  License Expiration Date: 09/02/2026

00579295 - Won, Dana Byron
                  License Expiration Date: 04/26/2028

01335252 - Zinman, Mark A
                  License Expiration Date: 05/05/2026

01322530 - Zoppoth, Michael S
                  License Expiration Date: 10/29/2029

Comment:
NO DISCIPLINARY ACTION

NO OTHER PUBLIC COMMENTS

>>>> Public information request complete <<<<