{
  "canonical_url": "https://lendb.ai/s/dscr/texas",
  "summary": "As of 2026-10-09, LenDb lists 69 loan officers licensed in or based in Texas whose lender pages show DSCR loan work. The top-ranked are Ashley Van Meter (Guild Mortgage, Kingwood), Michael Moh (Guild Mortgage, Killeen) and Christopher Cook (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "dscr",
  "state": "TX",
  "total": 69,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 274016,
        "slug": "ashley-van-meter-274016",
        "full_name": "Ashley Van Meter",
        "canonical_url": "https://lendb.ai/lo/ashley-van-meter-274016",
        "json_url": "https://lendb.ai/lo/ashley-van-meter-274016.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Kingwood",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "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": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/kingwood/ashley-van-meter-153-apavan.html"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ashley-van-meter-274016"
    },
    {
      "rank": 2,
      "score": 56,
      "loan_officer": {
        "nmls_id": 915377,
        "slug": "michael-moh-915377",
        "full_name": "Michael Moh",
        "canonical_url": "https://lendb.ai/lo/michael-moh-915377",
        "json_url": "https://lendb.ai/lo/michael-moh-915377.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Killeen",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/killeen/michael-moh-80-apmmoh.html"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "13 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-moh-915377"
    },
    {
      "rank": 3,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 1037205,
        "slug": "christopher-cook-1037205",
        "full_name": "Christopher Cook",
        "canonical_url": "https://lendb.ai/lo/christopher-cook-1037205",
        "json_url": "https://lendb.ai/lo/christopher-cook-1037205.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "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": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/christopher-cook"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-cook-1037205"
    },
    {
      "rank": 4,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 995551,
        "slug": "steven-crossman-995551",
        "full_name": "Steve Crossman",
        "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
        "json_url": "https://lendb.ai/lo/steven-crossman-995551.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "McKinney",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-crossman-995551"
    },
    {
      "rank": 5,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 389742,
        "slug": "john-nguyen-389742",
        "full_name": "John Nguyen",
        "canonical_url": "https://lendb.ai/lo/john-nguyen-389742",
        "json_url": "https://lendb.ai/lo/john-nguyen-389742.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "GA",
          "HI",
          "IL",
          "KS",
          "LA",
          "MI",
          "NC",
          "NJ",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/john-nguyen-199-hpjng.html"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-nguyen-389742"
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253"
    },
    {
      "rank": 7,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 312131,
        "slug": "kirk-taylor-312131",
        "full_name": "Kirk Taylor",
        "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131",
        "json_url": "https://lendb.ai/lo/kirk-taylor-312131.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "MA",
          "MI",
          "NV",
          "OK",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131"
    },
    {
      "rank": 8,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 1680348,
        "slug": "james-hair-1680348",
        "full_name": "James Hair",
        "canonical_url": "https://lendb.ai/lo/james-hair-1680348",
        "json_url": "https://lendb.ai/lo/james-hair-1680348.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "LA",
          "MO",
          "MS",
          "NC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5245/james-hair/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-hair-1680348"
    },
    {
      "rank": 9,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 722537,
        "slug": "antonio-gutierrez-722537",
        "full_name": "Antonio Gutierrez",
        "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
        "json_url": "https://lendb.ai/lo/antonio-gutierrez-722537.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "North DFW",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537"
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 179208,
        "slug": "jason-fox-179208",
        "full_name": "Jason Fox",
        "canonical_url": "https://lendb.ai/lo/jason-fox-179208",
        "json_url": "https://lendb.ai/lo/jason-fox-179208.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Frederick",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "DC",
          "DE",
          "IA",
          "IL",
          "IN",
          "MD",
          "MI",
          "MN",
          "NC",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-fox-179208"
    },
    {
      "rank": 11,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 275265,
        "slug": "patty-porto-275265",
        "full_name": "Patty Porto",
        "canonical_url": "https://lendb.ai/lo/patty-porto-275265",
        "json_url": "https://lendb.ai/lo/patty-porto-275265.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/patty-porto-275265"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patty-porto-275265"
    },
    {
      "rank": 12,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 281092,
        "slug": "tony-dinh-281092",
        "full_name": "Tony Dinh",
        "canonical_url": "https://lendb.ai/lo/tony-dinh-281092",
        "json_url": "https://lendb.ai/lo/tony-dinh-281092.json",
        "lender": {
          "nmls_id": 320841,
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          "NC",
          "NV",
          "OR",
          "PA",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
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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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        "years_experience": null,
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      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jim-brettl-455400"
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      "score": 45.3,
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        "slug": "vivek-agarwal-2564210",
        "full_name": "Vivek Agarwal",
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        "json_url": "https://lendb.ai/lo/vivek-agarwal-2564210.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
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          "city": null,
          "state": null
        },
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          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IL",
          "MA",
          "MN",
          "NC",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/vivek-agarwal-2564210"
      },
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        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/vivek-agarwal-2564210"
    },
    {
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      "score": 45,
      "loan_officer": {
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        "canonical_url": "https://lendb.ai/lo/kevin-haagen-1037086",
        "json_url": "https://lendb.ai/lo/kevin-haagen-1037086.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
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          "city": "Plano",
          "state": "TX"
        },
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "Branch in Texas; no license list on file yet, verify at NMLS Consumer Access",
        "13 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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    }
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}