--- canonical_url: https://lendb.ai/s/new-construction/california last_verified: 2026-10-10 --- # New construction loan officers in California As of 2026-10-10, LenDb lists 58 loan officers licensed in or based in California whose lender pages show New construction work. The top-ranked are Hugh Tanner (CrossCountry Mortgage, San Diego), Jay Cox (CrossCountry Mortgage, Pittsburgh) and Jessica Uphoff (Homeowners Financial Group, Westminster). 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. **[Hugh Tanner](https://lendb.ai/lo/hugh-tanner-311018)** (NMLS 311018), CrossCountry Mortgage, San Diego, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - 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) 2. **[Jay Cox](https://lendb.ai/lo/jeremiah-cox-448416)** (NMLS 448416), CrossCountry Mortgage, Pittsburgh, PA - Lists New construction 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 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Jessica Uphoff](https://lendb.ai/lo/jessica-uphoff-174999)** (NMLS 174999), Homeowners Financial Group, Westminster, CO - Lists New construction 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 2008 (per Colorado records) 4. **[Raena Pinchuk](https://lendb.ai/lo/raena-pinchuk-1488388)** (NMLS 1488388), CrossCountry Mortgage, Coeur d'Alene, ID - Lists New construction 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) 5. **[Dennis Wood](https://lendb.ai/lo/dennis-wood-307444)** (NMLS 307444), Edge Home Finance - Lists New construction on lender page (lender page, verified 2026-10-10) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-10) 6. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in San Gabriel, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 7. **[Samantha Lindley](https://lendb.ai/lo/samantha-lindley-1210610)** (NMLS 1210610), American Pacific Mortgage, Kennewick, WA - Lists New construction 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 9 years of experience (lender page, 2026-10-09) 8. **[Nicole Kwan](https://lendb.ai/lo/nicole-kwan-477256)** (NMLS 477256), CrossCountry Mortgage, Lexington, MA - Lists New construction 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) 9. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists New construction 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 20 years of experience (lender page, 2026-10-09) 10. **[Walter Vasquez](https://lendb.ai/lo/walter-vasquez-1210736)** (NMLS 1210736), Wells Fargo Home Mortgage, San Diego, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2020 (per Florida records) 11. **[Ryan Sandell](https://lendb.ai/lo/ryan-sandell-221731)** (NMLS 221731), NFM Lending, Tempe, AZ - Lists New construction 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) 12. **[Chris Armbruster](https://lendb.ai/lo/christopher-armbruster-1141561)** (NMLS 1141561), Union Home Mortgage, Roanoke, TX - Lists New construction 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) 13. **[Renee Sacco](https://lendb.ai/lo/renee-sacco-453805)** (NMLS 453805), Union Home Mortgage, Phoenix, AZ - Lists New construction 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) 14. **[Scott Buehler](https://lendb.ai/lo/scott-buehler-1794818)** (NMLS 1794818), Guild Mortgage, St. George, UT - Lists New construction 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) 15. **[Choe Hung](https://lendb.ai/lo/choe-hung-450736)** (NMLS 450736), U.S. Bank, Pasadena, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Catherine Pan](https://lendb.ai/lo/catherine-pan-778874)** (NMLS 778874), U.S. Bank, Pasadena, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[LeAnn Denise Wong](https://lendb.ai/lo/leann-denise-wong-1161555)** (NMLS 1161555), Wells Fargo Home Mortgage, San Jose, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in San Jose, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Bertha Aviles](https://lendb.ai/lo/bertha-aviles-1272078)** (NMLS 1272078), U.S. Bank, South Pasadena, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in South Pasadena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[Katie Chang](https://lendb.ai/lo/katie-chang-1392147)** (NMLS 1392147), Wells Fargo Home Mortgage, San Jose, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in San Jose, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 20. **[Louis Fajardo](https://lendb.ai/lo/louis-fajardo-12353)** (NMLS 12353), U.S. Bank, San Diego, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 21. **[Dwight Ritchie](https://lendb.ai/lo/dwight-ritchie-177968)** (NMLS 177968), U.S. Bank, Diamond Bar, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Diamond Bar, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Charles Scott](https://lendb.ai/lo/charles-scott-238999)** (NMLS 238999), U.S. Bank, Folsom, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Folsom, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Eric Tang](https://lendb.ai/lo/eric-tang-244025)** (NMLS 244025), U.S. Bank, San Francisco, CA - Lists New construction 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 24. **[Vicki Shinn](https://lendb.ai/lo/vicki-shinn-248912)** (NMLS 248912), U.S. Bank, Torrance, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Torrance, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Eddie Garcia](https://lendb.ai/lo/eddie-garcia-330696)** (NMLS 330696), U.S. Bank, Los Gatos, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Los Gatos, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS ## Questions to ask - Can you offer an extended rate lock that covers the build timeline? - How do you compare with the builder's preferred lender incentives? - What happens if the completion date slips? Cite as: LenDb.ai, https://lendb.ai/s/new-construction/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._