Property types · Maryland
New construction loan officers in Maryland
As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in Maryland whose lender pages show New construction work. The top-ranked are Richard Miller (Guild Mortgage, Columbia), Karla Melgar (Embrace Home Loans, La Plata) and Hugh Tanner (CrossCountry Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 19
- 1
Richard MillerNMLS 155674
Guild Mortgage · Columbia, MD · licensed in 2 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 24 years experience (stated on lender page, 2026-10-09)
- 2
Karla MelgarNMLS 186602
Embrace Home Loans · La Plata, MD · licensed in 3 states
- New construction
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 52 years experience (stated on lender page, 2026-10-09)
- 3
Hugh TannerNMLS 311018
CrossCountry Mortgage · San Diego, CA · licensed in 10 states
- New construction
- FHA loan
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- 4
Catherine MillerNMLS 2331946
Guild Mortgage · Columbia, MD · licensed in 2 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- New construction
- First-time buyer
- FHA loan
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 6 years licensed
- 6
Scott HineNMLS 475661
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 14 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 7
Jay CoxNMLS 448416
CrossCountry Mortgage · Pittsburgh, PA · licensed in 8 states
- New construction
- Jumbo loan
- Self-employed
- FHA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 8
Chase CusackNMLS 1288538
First Home Mortgage · Annapolis, MD · licensed in 3 states
- New construction
- FHA loan
- First-time buyer
- USDA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 9
Melissa MaynardNMLS 2105169
Embrace Home Loans · Columbia, MD · licensed in 4 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 3 years licensed
- 10
Jennifer MerrickNMLS 2063146
CrossCountry Mortgage · Dover, DE · licensed in 2 states
- New construction
- FHA loan
- Non-QM loan
- Construction loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 11
Rachel HolmanNMLS 1909065
NFM Lending · Linthicum, MD · licensed in 5 states
- New construction
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 12
Tom GaffneyNMLS 182206
First Heritage Mortgage · licensed in 3 states
- New construction
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 7 years licensed
- 13
Jeffrey MerkNMLS 1930460
First Heritage Mortgage · licensed in 7 states
- New construction
- FHA loan
- USDA loan
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 14
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- New construction
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 2 years licensed
- 15
Theresa MiglinoNMLS 453791
Embrace Home Loans · Wilmington, DE · licensed in 4 states
- New construction
- First-time buyer
- Down payment assistance
- FHA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 16
Pamela RothwellNMLS 1795698
First Heritage Mortgage · licensed in 6 states
- New construction
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 17
Alan EasterwoodNMLS 644550
TowneBank Mortgage · Anniston, AL · licensed in 18 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 18
Jeanne BidwellNMLS 313615
First Heritage Mortgage · licensed in 4 states
- New construction
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 19
Tracy BolenNMLS 1734508
American Pacific Mortgage · Roseville, CA · licensed in 51 states
- New construction
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 6 years licensed
Before you choose
Long closing timelines need extended rate locks, and builder incentives often push buyers toward a preferred lender.
- 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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in MD or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=new-construction&state=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.