{
  "canonical_url": "https://lendb.ai/s/new-construction/indiana",
  "summary": "As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in Indiana whose lender pages show New construction work. The top-ranked are Pat Kinder (Fairway Independent Mortgage Corporation, Fort Wayne), Scott Hine (Fairway Independent Mortgage Corporation, Fredericksburg) and Karen Chiu (CrossCountry Mortgage, San Gabriel). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "new-construction",
  "state": "IN",
  "total": 20,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 61.3,
      "loan_officer": {
        "nmls_id": 277042,
        "slug": "patrick-kinder-277042",
        "full_name": "Pat Kinder",
        "canonical_url": "https://lendb.ai/lo/patrick-kinder-277042",
        "json_url": "https://lendb.ai/lo/patrick-kinder-277042.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Wayne",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IN",
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": 40,
        "lender_profile_url": "https://www.fairway.com/lo/pat-kinder-277042"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "13 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-kinder-277042"
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 475661,
        "slug": "scott-hine-475661",
        "full_name": "Scott Hine",
        "canonical_url": "https://lendb.ai/lo/scott-hine-475661",
        "json_url": "https://lendb.ai/lo/scott-hine-475661.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Fredericksburg",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "IN",
          "KY",
          "MD",
          "MI",
          "MO",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/scott-hine-475661"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (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-hine-475661"
    },
    {
      "rank": 3,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 611778,
        "slug": "karen-chiu-611778",
        "full_name": "Karen Chiu",
        "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Gabriel",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/karen-chiu-611778"
    },
    {
      "rank": 4,
      "score": 48.7,
      "loan_officer": {
        "nmls_id": 782760,
        "slug": "beth-garrett-782760",
        "full_name": "Beth Garrett",
        "canonical_url": "https://lendb.ai/lo/beth-garrett-782760",
        "json_url": "https://lendb.ai/lo/beth-garrett-782760.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN",
          "KY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 11,
        "lender_profile_url": "https://www.ruoff.com/BethGarrett"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "11 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/beth-garrett-782760"
    },
    {
      "rank": 5,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 2784335,
        "slug": "dan-smith-2784335",
        "full_name": "Dan Smith",
        "canonical_url": "https://lendb.ai/lo/dan-smith-2784335",
        "json_url": "https://lendb.ai/lo/dan-smith-2784335.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": "Bloomington",
          "state": "IN"
        },
        "licensed_states": [
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://www.ruoff.com/DanSmith"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "15 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-smith-2784335"
    },
    {
      "rank": 6,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 279665,
        "slug": "sheri-watkins-279665",
        "full_name": "Sheri Watkins",
        "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665",
        "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/SheriWatkins"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665"
    },
    {
      "rank": 7,
      "score": 47.5,
      "loan_officer": {
        "nmls_id": 129465,
        "slug": "michael-dewitt-129465",
        "full_name": "Michael DeWitt",
        "canonical_url": "https://lendb.ai/lo/michael-dewitt-129465",
        "json_url": "https://lendb.ai/lo/michael-dewitt-129465.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "licensed_states": [
          "IL",
          "IN",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/michael-dewitt/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-dewitt-129465"
    },
    {
      "rank": 8,
      "score": 47.5,
      "loan_officer": {
        "nmls_id": 438557,
        "slug": "jason-kain-438557",
        "full_name": "Jason Kain",
        "canonical_url": "https://lendb.ai/lo/jason-kain-438557",
        "json_url": "https://lendb.ai/lo/jason-kain-438557.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "IN"
        },
        "licensed_states": [
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/jason-kain-438557"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-kain-438557"
    },
    {
      "rank": 9,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 204443,
        "slug": "ronald-haddad-204443",
        "full_name": "Ron Haddad",
        "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443",
        "json_url": "https://lendb.ai/lo/ronald-haddad-204443.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Arlington Heights",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "IL",
          "IN",
          "MI",
          "NC",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443"
    },
    {
      "rank": 10,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 438579,
        "slug": "gene-cooney-438579",
        "full_name": "Gene Cooney",
        "canonical_url": "https://lendb.ai/lo/gene-cooney-438579",
        "json_url": "https://lendb.ai/lo/gene-cooney-438579.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN",
          "KY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/GeneCooney"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gene-cooney-438579"
    },
    {
      "rank": 11,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 1909065,
        "slug": "rachel-holman-1909065",
        "full_name": "Rachel Holman",
        "canonical_url": "https://lendb.ai/lo/rachel-holman-1909065",
        "json_url": "https://lendb.ai/lo/rachel-holman-1909065.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "IN",
          "MD",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/rachel-holman/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rachel-holman-1909065"
    },
    {
      "rank": 12,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 2724079,
        "slug": "mandy-dudley-2724079",
        "full_name": "Mandy Dudley",
        "canonical_url": "https://lendb.ai/lo/mandy-dudley-2724079",
        "json_url": "https://lendb.ai/lo/mandy-dudley-2724079.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/MandyDudley"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/mandy-dudley-2724079"
    },
    {
      "rank": 13,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 212085,
        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
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}