---
canonical_url: https://lendb.ai/s/new-construction/delaware
last_verified: 2026-10-11
---

# New construction loan officers in Delaware

As of 2026-10-11, LenDb lists 9 loan officers licensed in or based in Delaware whose lender pages show New construction work. The top-ranked are Richard Miller (Guild Mortgage, Columbia), Jay Cox (CrossCountry Mortgage, Pittsburgh) and Karla Melgar (Embrace Home Loans, La Plata). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Richard Miller](https://lendb.ai/lo/richard-miller-155674)** (NMLS 155674), Guild Mortgage, Columbia, MD
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 24 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)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 18, 2026 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Karla Melgar](https://lendb.ai/lo/karla-melgar-186602)** (NMLS 186602), Embrace Home Loans, La Plata, MD
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 52 years of experience (lender page, 2026-10-09)
4. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: December 13, 2010 (Florida), per state regulator
   - States 10 years of experience (lender page, 2026-10-09)
5. **[Jennifer Merrick](https://lendb.ai/lo/jennifer-merrick-2063146)** (NMLS 2063146), CrossCountry Mortgage, Dover, DE
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Dover, DE
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Scott Phillips](https://lendb.ai/lo/scott-phillips-181137)** (NMLS 181137), First Heritage Mortgage
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 1, 2024 (Florida), per state regulator
7. **[Alan Easterwood](https://lendb.ai/lo/alan-easterwood-644550)** (NMLS 644550), TowneBank Mortgage, Anniston, AL
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Catherine Miller](https://lendb.ai/lo/catherine-miller-2331946)** (NMLS 2331946), Guild Mortgage, Columbia, MD
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
9. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA
   - Lists New construction on lender page (lender page, verified 2026-10-11)
   - DE listed on their lender page (not yet checked with the state regulator; 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/delaware.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._