Property types · Tennessee
New construction loan officers in Tennessee
As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in Tennessee whose lender pages show New construction work. The top-ranked are Jessica Uphoff (Homeowners Financial Group, Westminster), Gabe Libutti (Atlantic Coast Mortgage, Huntersville) and Sheri Watkins (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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
Jessica UphoffNMLS 174999
Homeowners Financial Group · Westminster, CO · licensed in 12 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2008 (per Colorado records)
- 2
Gabe LibuttiNMLS 504917
Atlantic Coast Mortgage · Huntersville, NC · licensed in 6 states
- New construction
- Construction loan
- Jumbo loan
- Self-employed
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 3
Sheri WatkinsNMLS 279665
Ruoff Mortgage · licensed in 8 states
- New construction
- First-time buyer
- Vacation home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Aimia MireNMLS 128546
GMFS Mortgage · Lafayette, LA · licensed in 6 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Kim CaudellNMLS 1887966
CrossCountry Mortgage · Monroe, GA · licensed in 3 states
- New construction
- FHA loan
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Bambi WinsteadNMLS 369809
Acrisure Mortgage (formerly FBC Mortgage) · Louisville, KY · licensed in 5 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 7
Todd BlakeNMLS 196726
Guild Mortgage · Alpharetta, GA · licensed in 6 states
- New construction
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- 8
Scott HineNMLS 475661
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 14 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 9
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- New construction
- Construction loan
- Down payment assistance
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 10
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- New construction
- Jumbo loan
- Physician and medical professional
- Renovation loan (203k / HomeStyle)
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Michael DeWittNMLS 129465
Highlands Residential Mortgage · Allen, TX · licensed in 4 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 12
Jessica BarberNMLS 913195
Guild Mortgage · Florissant, MO · licensed in 7 states
- New construction
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 13
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- New construction
- Condo
- First-time buyer
- Non-QM loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 14
Chris ArmbrusterNMLS 1141561
Union Home Mortgage · Roanoke, TX · licensed in 10 states
- New construction
- First-time buyer
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 15
Alan EasterwoodNMLS 644550
TowneBank Mortgage · Bank · Anniston, AL · licensed in 18 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- 16
Mina AgaibyNMLS 1530811
U.S. Bank · Bank · Franklin, TN
- New construction
- Construction loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Office in Franklin, TN
- 17
Lynn ScuderiNMLS 23176
U.S. Bank · Bank · Cookeville, TN
- New construction
- Construction loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Office in Cookeville, TN
- 18
Michael SmithNMLS 484137
U.S. Bank · Bank · Brentwood, TN
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Office in Brentwood, TN
- 19
Jeffrey MerkNMLS 1930460
First Heritage Mortgage · licensed in 7 states
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 6 years of experience (lender page, 2026-10-09)
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 are listed when a TN license is confirmed with the state regulator (check mark), TN is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.