{
  "canonical_url": "https://lendb.ai/s/construction/delaware",
  "summary": "As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in Delaware whose lender pages show Construction loan work. The top-ranked are Jennifer Sharadin (Union Home Mortgage, Rehoboth Beach), Kevin Sapp (Guild Mortgage, Timonium) and Anthony Sadler (Guild Mortgage, Newark). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "construction",
  "state": "DE",
  "total": 19,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.4,
      "loan_officer": {
        "nmls_id": 1411067,
        "slug": "jennifer-sharadin-1411067",
        "full_name": "Jennifer Sharadin",
        "canonical_url": "https://lendb.ai/lo/jennifer-sharadin-1411067",
        "json_url": "https://lendb.ai/lo/jennifer-sharadin-1411067.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Rehoboth Beach",
          "state": "DE"
        },
        "licensed_states": [
          "DE",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 19,
        "lender_profile_url": "https://www.uhm.com/loan-officers/jennifer-sharadin/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "Branch in Delaware",
        "19 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-sharadin-1411067"
    },
    {
      "rank": 2,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 396744,
        "slug": "kevin-sapp-396744",
        "full_name": "Kevin Sapp",
        "canonical_url": "https://lendb.ai/lo/kevin-sapp-396744",
        "json_url": "https://lendb.ai/lo/kevin-sapp-396744.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Timonium",
          "state": "MD"
        },
        "licensed_states": [
          "DE",
          "MD",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/md/timonium/kevin-sapp-433-rgksa.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (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"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-sapp-396744"
    },
    {
      "rank": 3,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 460172,
        "slug": "anthony-sadler-460172",
        "full_name": "Anthony Sadler",
        "canonical_url": "https://lendb.ai/lo/anthony-sadler-460172",
        "json_url": "https://lendb.ai/lo/anthony-sadler-460172.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Newark",
          "state": "DE"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/de/newark/anthony-sadler-784-rgasa.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "Branch in Delaware",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-sadler-460172"
    },
    {
      "rank": 4,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 8154,
        "slug": "scott-lacey-8154",
        "full_name": "Scott Lacey",
        "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
        "json_url": "https://lendb.ai/lo/scott-lacey-8154.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Lincoln",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CT",
          "DC",
          "DE",
          "GA",
          "IN",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "PA",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-lacey-8154"
    },
    {
      "rank": 5,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 161236,
        "slug": "bradley-zerbe-161236",
        "full_name": "Brad Zerbe",
        "canonical_url": "https://lendb.ai/lo/bradley-zerbe-161236",
        "json_url": "https://lendb.ai/lo/bradley-zerbe-161236.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Haddonfield",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/brad-zerbe/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bradley-zerbe-161236"
    },
    {
      "rank": 6,
      "score": 44.2,
      "loan_officer": {
        "nmls_id": 2035377,
        "slug": "caylab-herrera-2035377",
        "full_name": "Caylab Herrera",
        "canonical_url": "https://lendb.ai/lo/caylab-herrera-2035377",
        "json_url": "https://lendb.ai/lo/caylab-herrera-2035377.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "licensed_states": [
          "AR",
          "DE",
          "LA",
          "NC",
          "NM",
          "OK",
          "SC",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 6,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/caylab-herrera"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "6 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/caylab-herrera-2035377"
    },
    {
      "rank": 7,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 2765982,
        "slug": "dan-murphy-2765982",
        "full_name": "Dan Murphy",
        "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982",
        "json_url": "https://lendb.ai/lo/dan-murphy-2765982.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603"
        },
        "branch": {
          "city": "Chevy Chase",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "DE",
          "MD",
          "NC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/dan-murphy/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982"
    },
    {
      "rank": 8,
      "score": 42.5,
      "loan_officer": {
        "nmls_id": 1168228,
        "slug": "christopher-geier-1168228",
        "full_name": "Chris Geier",
        "canonical_url": "https://lendb.ai/lo/christopher-geier-1168228",
        "json_url": "https://lendb.ai/lo/christopher-geier-1168228.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Washington",
          "state": "DC"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": 14,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/chris-geier/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-geier-1168228"
    },
    {
      "rank": 9,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 309717,
        "slug": "brooke-villano-309717",
        "full_name": "Brooke Villano",
        "canonical_url": "https://lendb.ai/lo/brooke-villano-309717",
        "json_url": "https://lendb.ai/lo/brooke-villano-309717.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Fort Walton Beach",
          "state": "FL"
        },
        "licensed_states": [
          "CT",
          "DE"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-4692/brooke-villano/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brooke-villano-309717"
    },
    {
      "rank": 10,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 1722079,
        "slug": "martha-pfeiffer-1722079",
        "full_name": "Martha Pfeiffer",
        "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079",
        "json_url": "https://lendb.ai/lo/martha-pfeiffer-1722079.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Dover",
          "state": "DE"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/dover-de-3859/martha-pfeiffer/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Branch in Delaware; 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"
      ],
      "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079"
    },
    {
      "rank": 11,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 2088909,
        "slug": "amy-james-2088909",
        "full_name": "Amy James",
        "canonical_url": "https://lendb.ai/lo/amy-james-2088909",
        "json_url": "https://lendb.ai/lo/amy-james-2088909.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Fort Walton Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "CT",
          "DE",
          "MA",
          "MT",
          "NE",
          "TN",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-3619/amy-james/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-james-2088909"
    },
    {
      "rank": 12,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 235233,
        "slug": "jeffrey-aronheim-235233",
        "full_name": "Jeffrey Aronheim",
        "canonical_url": "https://lendb.ai/lo/jeffrey-aronheim-235233",
        "json_url": "https://lendb.ai/lo/jeffrey-aronheim-235233.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-3957/jeffrey-aronheim/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-aronheim-235233"
    },
    {
      "rank": 13,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 1415391,
        "slug": "jeffrey-novotny-1415391",
        "full_name": "Jeffrey Novotny",
        "canonical_url": "https://lendb.ai/lo/jeffrey-novotny-1415391",
        "json_url": "https://lendb.ai/lo/jeffrey-novotny-1415391.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548"
        },
        "branch": {
          "city": "Gaithersburg",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/jeffrey-novotny/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-novotny-1415391"
    },
    {
      "rank": 14,
      "score": 38,
      "loan_officer": {
        "nmls_id": 208302,
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          "CA",
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          "IL",
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        "Licensed in DE (listed on lender page, verified 2026-10-09)",
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      "score": 38,
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        "json_url": "https://lendb.ai/lo/shawn-durant-221971.json",
        "lender": {
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          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
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          "AL",
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          "AZ",
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          "IA",
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          "IN",
          "KS",
          "LA",
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      "score": 32.5,
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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}