---
canonical_url: https://lendb.ai/s/new-construction/michigan
last_verified: 2026-10-09
---

# New construction loan officers in Michigan

As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Michigan whose lender pages show New construction work. The top-ranked are Kay M. Davis (Union Home Mortgage, Saint Clair), Robin Thompson (Union Home Mortgage, Saint Clair) and Pat Kinder (Fairway Independent Mortgage Corporation, Fort Wayne). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Kay M. Davis](https://lendb.ai/lo/katherine-davis-436627)** (NMLS 436627), Union Home Mortgage, Saint Clair, MI
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Saint Clair, MI
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 35 years of experience (lender page, 2026-10-09)
2. **[Robin Thompson](https://lendb.ai/lo/robin-thompson-148063)** (NMLS 148063), Union Home Mortgage, Saint Clair, MI
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Saint Clair, MI
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
3. **[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)
   - MI 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)
4. **[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)
   - MI 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)
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)
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
6. **[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)
   - MI 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)
7. **[Jessica Barber](https://lendb.ai/lo/jessica-barber-913195)** (NMLS 913195), Guild Mortgage, Florissant, MO
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
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)
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Colorado records)
9. **[Miley Borman](https://lendb.ai/lo/miley-borman-2690426)** (NMLS 2690426), Ruoff Mortgage, MI
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Michigan
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
10. **[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)
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
11. **[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)
   - MI 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/michigan.

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