{
  "canonical_url": "https://lendb.ai/s/new-construction/oregon",
  "summary": "As of 2026-10-11, LenDb lists 14 loan officers licensed in or based in Oregon whose lender pages show New construction work. The top-ranked are Kim Ray (Churchill Mortgage, Ocean Shores), Jessica Uphoff (Homeowners Financial Group, Westminster) and Joe Walker (CrossCountry Mortgage, Spokane Valley). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "new-construction",
  "state": "OR",
  "total": 14,
  "last_verified": "2026-10-11",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 1314698,
        "slug": "kim-ray-1314698",
        "full_name": "Kim Ray",
        "canonical_url": "https://lendb.ai/lo/kim-ray-1314698",
        "json_url": "https://lendb.ai/lo/kim-ray-1314698.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Ocean Shores",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kim-ray",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-ray-1314698",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/kim-ray"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 174999,
        "slug": "jessica-uphoff-174999",
        "full_name": "Jessica Uphoff",
        "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
        "json_url": "https://lendb.ai/lo/jessica-uphoff-174999.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
          "type": "imb"
        },
        "branch": {
          "city": "Westminster",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "IL",
          "MT",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 18,
        "licensed_since": {
          "year": 2008,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/jessuphoff/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2008 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homeownersfg.com/jessuphoff/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 299499,
        "slug": "joe-walker-299499",
        "full_name": "Joe Walker",
        "canonical_url": "https://lendb.ai/lo/joe-walker-299499",
        "json_url": "https://lendb.ai/lo/joe-walker-299499.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Spokane Valley",
          "state": "WA"
        },
        "licensed_states": [
          "ID",
          "MT",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/spokane-valley-wa-5206/joseph-walker/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "OR 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-walker-299499",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/spokane-valley-wa-5206/joseph-walker/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 53.5,
      "loan_officer": {
        "nmls_id": 1210610,
        "slug": "samantha-lindley-1210610",
        "full_name": "Samantha Lindley",
        "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610",
        "json_url": "https://lendb.ai/lo/samantha-lindley-1210610.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Kennewick",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "ID",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://www.apmortgage.com/samantha-lindley",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/samantha-lindley"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 90634,
        "slug": "dennis-hendricks-90634",
        "full_name": "Erin Hendricks",
        "canonical_url": "https://lendb.ai/lo/dennis-hendricks-90634",
        "json_url": "https://lendb.ai/lo/dennis-hendricks-90634.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "ID",
          "IL",
          "KS",
          "ME",
          "MN",
          "MT",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dennis-hendricks-90634",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 48,
      "loan_officer": {
        "nmls_id": 400418,
        "slug": "josh-alexander-400418",
        "full_name": "Josh Alexander",
        "canonical_url": "https://lendb.ai/lo/josh-alexander-400418",
        "json_url": "https://lendb.ai/lo/josh-alexander-400418.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Bend",
          "state": "OR"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/or/bend/josh-alexander-400418",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Bend, OR",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/josh-alexander-400418",
      "license_check": {
        "state": "OR",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 395902,
        "slug": "jenny-yuen-395902",
        "full_name": "Jenny Yuen",
        "canonical_url": "https://lendb.ai/lo/jenny-yuen-395902",
        "json_url": "https://lendb.ai/lo/jenny-yuen-395902.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Lake Oswego",
          "state": "OR"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/or/lake-oswego/jenny-yuen-395902",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Lake Oswego, OR",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/jenny-yuen-395902",
      "license_check": {
        "state": "OR",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 507217,
        "slug": "eric-bergemann-507217",
        "full_name": "Eric Bergemann",
        "canonical_url": "https://lendb.ai/lo/eric-bergemann-507217",
        "json_url": "https://lendb.ai/lo/eric-bergemann-507217.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Hillsboro",
          "state": "OR"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/or/hillsboro/eric-bergemann-507217",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Hillsboro, OR",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-bergemann-507217",
      "license_check": {
        "state": "OR",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 611774,
        "slug": "gary-s-may-611774",
        "full_name": "Gary S May",
        "canonical_url": "https://lendb.ai/lo/gary-s-may-611774",
        "json_url": "https://lendb.ai/lo/gary-s-may-611774.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Bend",
          "state": "OR"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/or/bend/gary",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
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