--- canonical_url: https://lendb.ai/s/new-construction/indiana last_verified: 2026-10-09 --- # New construction loan officers in Indiana 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), Bambi Winstead (Acrisure Mortgage (formerly FBC Mortgage), Louisville) and Sheri Watkins (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Pat Kinder](https://lendb.ai/lo/patrick-kinder-277042)** (NMLS 277042), Fairway Independent Mortgage Corporation, Fort Wayne, IN - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Fort Wayne, IN - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 40 years of experience (lender page, 2026-10-09) 2. **[Bambi Winstead](https://lendb.ai/lo/bambi-winstead-369809)** (NMLS 369809), Acrisure Mortgage (formerly FBC Mortgage), Louisville, KY - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 3. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Jason Kain](https://lendb.ai/lo/jason-kain-438557)** (NMLS 438557), Fairway Independent Mortgage Corporation, Columbus, IN - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Columbus, IN - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Scott Hine](https://lendb.ai/lo/scott-hine-475661)** (NMLS 475661), Fairway Independent Mortgage Corporation, Fredericksburg, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 6. **[Brian Sewell](https://lendb.ai/lo/brian-sewell-212085)** (NMLS 212085), Guild Mortgage, Frankfort, IL - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 8. **[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) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 9. **[Beth Garrett](https://lendb.ai/lo/beth-garrett-782760)** (NMLS 782760), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 11 years of experience (lender page, 2026-10-09) 10. **[Dan Smith](https://lendb.ai/lo/dan-smith-2784335)** (NMLS 2784335), Ruoff Mortgage, Bloomington, IN - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Bloomington, IN - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 11. **[Michael DeWitt](https://lendb.ai/lo/michael-dewitt-129465)** (NMLS 129465), Highlands Residential Mortgage, Allen, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 12. **[Gene Cooney](https://lendb.ai/lo/gene-cooney-438579)** (NMLS 438579), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 13. **[Doug Carroll](https://lendb.ai/lo/douglas-carroll-173634)** (NMLS 173634), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 14. **[Mandy Dudley](https://lendb.ai/lo/mandy-dudley-2724079)** (NMLS 2724079), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 15. **[Samantha Bayless](https://lendb.ai/lo/samantha-bayless-460970)** (NMLS 460970), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 19 years of experience (lender page, 2026-10-09) 16. **[Karan Rastall](https://lendb.ai/lo/karan-rastall-763395)** (NMLS 763395), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 17. **[Rachel Holman](https://lendb.ai/lo/rachel-holman-1909065)** (NMLS 1909065), NFM Lending, Linthicum, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 18. **[Tracy Bolen](https://lendb.ai/lo/tracy-bolen-1734508)** (NMLS 1734508), American Pacific Mortgage, Roseville, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 19. **[Jim Luana](https://lendb.ai/lo/jim-luana-2403351)** (NMLS 2403351), Ruoff Mortgage, OH - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Stephanie Moncayo](https://lendb.ai/lo/stephanie-hoetger-moncayo-2223577)** (NMLS 2223577), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) ## 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/indiana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._