{ "canonical_url": "https://lendb.ai/s/new-construction/tennessee", "summary": "As of 2026-10-10, LenDb lists 20 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.", "specialty": "new-construction", "state": "TN", "total": 20, "last_verified": "2026-10-10", "results": [ { "rank": 1, "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)", "TN 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": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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": 2, "score": 58.5, "loan_officer": { "nmls_id": 504917, "slug": "gabriel-libutti-504917", "full_name": "Gabe Libutti", "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917", "json_url": "https://lendb.ai/lo/gabriel-libutti-504917.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": "Huntersville", "state": "NC" }, "licensed_states": [ "FL", "GA", "NC", "SC", "TN", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 58.3, "loan_officer": { "nmls_id": 279665, "slug": "sheri-watkins-279665", "full_name": "Sheri Watkins", "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/SheriWatkins", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN 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)" ], "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/SheriWatkins" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58, "loan_officer": { "nmls_id": 128546, "slug": "aimia-mire-128546", "full_name": "Aimia Mire", "canonical_url": "https://lendb.ai/lo/aimia-mire-128546", "json_url": "https://lendb.ai/lo/aimia-mire-128546.json", "lender": { "nmls_id": 64997, "name": "GMFS Mortgage", "canonical_url": "https://lendb.ai/lender/gmfs-mortgage-64997", "type": "imb" }, "branch": { "city": "Lafayette", "state": "LA" }, "licensed_states": [ "AL", "AR", "LA", "MS", "TN", "TX" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://gmfsmortgage.com/loan-officers/aimia-doucet/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/aimia-mire-128546", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://gmfsmortgage.com/loan-officers/aimia-doucet/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 57.8, "loan_officer": { "nmls_id": 1887966, "slug": "kimberly-caudell-1887966", "full_name": "Kim Caudell", "canonical_url": "https://lendb.ai/lo/kimberly-caudell-1887966", "json_url": "https://lendb.ai/lo/kimberly-caudell-1887966.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Monroe", "state": "GA" }, "licensed_states": [ "FL", "GA", "TN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/monroe-ga-4353/kimberly-caudell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kimberly-caudell-1887966", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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/monroe-ga-4353/kimberly-caudell/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 56.3, "loan_officer": { "nmls_id": 369809, "slug": "bambi-winstead-369809", "full_name": "Bambi Winstead", "canonical_url": "https://lendb.ai/lo/bambi-winstead-369809", "json_url": "https://lendb.ai/lo/bambi-winstead-369809.json", "lender": { "nmls_id": 152859, "name": "Acrisure Mortgage (formerly FBC Mortgage)", "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859", "type": "imb" }, "branch": { "city": "Louisville", "state": "KY" }, "licensed_states": [ "FL", "IN", "KY", "OH", "TN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://acrisuremortgage.com/bwinstead/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN 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)" ], "canonical_url": "https://lendb.ai/lo/bambi-winstead-369809", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://acrisuremortgage.com/bwinstead/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 55.8, "loan_officer": { "nmls_id": 196726, "slug": "allan-blake-196726", "full_name": "Todd Blake", "canonical_url": "https://lendb.ai/lo/allan-blake-196726", "json_url": "https://lendb.ai/lo/allan-blake-196726.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Alpharetta", "state": "GA" }, "licensed_states": [ "FL", "AL", "GA", "NC", "SC", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ga/alpharetta/todd-blake-884-hptbla.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2014 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/allan-blake-196726", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ga/alpharetta/todd-blake-884-hptbla.html" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 52.8, "loan_officer": { "nmls_id": 475661, "slug": "scott-hine-475661", "full_name": "Scott Hine", "canonical_url": "https://lendb.ai/lo/scott-hine-475661", "json_url": "https://lendb.ai/lo/scott-hine-475661.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Fredericksburg", "state": "VA" }, "licensed_states": [ "FL", "DC", "IN", "KY", "MD", "MI", "MO", "NC", "OH", "PA", "SC", "TN", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.fairway.com/lo/scott-hine-475661", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/scott-hine-475661", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/scott-hine-475661" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 9, "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)", "TN 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": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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": 10, "score": 51.8, "loan_officer": { "nmls_id": 562713, "slug": "kylie-miller-562713", "full_name": "Kylie Miller", "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "json_url": "https://lendb.ai/lo/kylie-miller-562713.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Beavercreek", "state": "OH" }, "licensed_states": [ "FL", "GA", "IL", "IN", "KY", "MI", "OH", "TN", "WA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN 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)" ], "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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/beavercreek-oh-2119/kylie-miller/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 51.5, "loan_officer": { "nmls_id": 129465, "slug": "michael-dewitt-129465", "full_name": "Michael DeWitt", "canonical_url": "https://lendb.ai/lo/michael-dewitt-129465", "json_url": "https://lendb.ai/lo/michael-dewitt-129465.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Allen", "state": "TX" }, "licensed_states": [ "IL", "IN", "TN", "TX" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.highlandsmortgage.com/agents/michael-dewitt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/michael-dewitt-129465", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.highlandsmortgage.com/agents/michael-dewitt/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 51.3, "loan_officer": { "nmls_id": 913195, "slug": "jessica-barber-913195", "full_name": "Jessica Barber", "canonical_url": "https://lendb.ai/lo/jessica-barber-913195", "json_url": "https://lendb.ai/lo/jessica-barber-913195.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Florissant", "state": "MO" }, "licensed_states": [ "FL", "AL", "KS", "MI", "MO", "OK", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/mo/florissant/jessica-barber-380-cnjb.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/jessica-barber-913195", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/mo/florissant/jessica-barber-380-cnjb.html" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 50.8, "loan_officer": { "nmls_id": 611778, "slug": "karen-chiu-611778", "full_name": "Karen Chiu", "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "json_url": "https://lendb.ai/lo/karen-chiu-611778.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Gabriel", "state": "CA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "LA", "MI", "MO", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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/san-gabriel-ca-3255/karen-chiu/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 50.3, "loan_officer": { "nmls_id": 1141561, "slug": "christopher-armbruster-1141561", "full_name": "Chris Armbruster", "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561", "json_url": "https://lendb.ai/lo/christopher-armbruster-1141561.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Roanoke", "state": "TX" }, "licensed_states": [ "FL", "AL", "CA", "GA", "KS", "MO", "OK", "TN", "TX", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/chris-armbruster/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/chris-armbruster/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 49.8, "loan_officer": { "nmls_id": 644550, "slug": "alan-easterwood-644550", "full_name": "Alan Easterwood", "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550", "json_url": "https://lendb.ai/lo/alan-easterwood-644550.json", "lender": { "nmls_id": 512138, "name": "TowneBank Mortgage", "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138", "type": "bank" }, "branch": { "city": "Anniston", "state": "AL" }, "licensed_states": [ "AL", "CO", "DC", "DE", "FL", "GA", "KY", "LA", "MD", "MS", "NC", "OH", "PA", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "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://townebankmortgage.com/officers/alan-easterwood/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://townebankmortgage.com/officers/alan-easterwood/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 48, "loan_officer": { "nmls_id": 1530811, "slug": "mina-agaiby-1530811", "full_name": "Mina Agaiby", "canonical_url": "https://lendb.ai/lo/mina-agaiby-1530811", "json_url": "https://lendb.ai/lo/mina-agaiby-1530811.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Franklin", "state": "TN" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "ar" ], "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/tn/franklin/mina-agaiby-1530811", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "Office in Franklin, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mina-agaiby-1530811", "license_check": { "state": "TN", "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": 17, "score": 47.8, "loan_officer": { "nmls_id": 23176, "slug": "lynn-scuderi-23176", "full_name": "Lynn Scuderi", "canonical_url": "https://lendb.ai/lo/lynn-scuderi-23176", "json_url": "https://lendb.ai/lo/lynn-scuderi-23176.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Cookeville", "state": "TN" }, "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/tn/cookeville/lynn-scuderi-23176", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "Office in Cookeville, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/lynn-scuderi-23176", "license_check": { "state": "TN", "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": 18, "score": 47.8, "loan_officer": { "nmls_id": 484137, "slug": "michael-smith-484137", "full_name": "Michael Smith", "canonical_url": "https://lendb.ai/lo/michael-smith-484137", "json_url": "https://lendb.ai/lo/michael-smith-484137.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Brentwood", "state": "TN" }, "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://mortgage.usbank.com/tn/brentwood/michael-smith-484137", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "Office in Brentwood, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/michael-smith-484137", "license_check": { "state": "TN", "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": 19, "score": 43.8, "loan_officer": { "nmls_id": 383352, "slug": "leslie-bergen-383352", "full_name": "Leslie Bergen", "canonical_url": "https://lendb.ai/lo/leslie-bergen-383352", "json_url": "https://lendb.ai/lo/leslie-bergen-383352.json", "lender": { "nmls_id": 1124061, "name": "Lower", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "El Paso", "state": "TX" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "MD", "MO", "MT", "NC", "NE", "NM", "OH", "OK", "SD", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "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": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SD", "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": "va", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-10)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 30 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/leslie-bergen-383352", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 43.8, "loan_officer": { "nmls_id": 1930460, "slug": "jeffrey-merk-1930460", "full_name": "Jeffrey Merk", "canonical_url": "https://lendb.ai/lo/jeffrey-merk-1930460", "json_url": "https://lendb.ai/lo/jeffrey-merk-1930460.json", "lender": { "nmls_id": 86548, "name": "First Heritage Mortgage", "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "GA", "MD", "NC", "SC", "TN", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 6, "lender_profile_url": "https://fhmtg.com/officers/jeffrey-merk/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists New construction on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 6 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeffrey-merk-1930460", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://fhmtg.com/officers/jeffrey-merk/" }, "match_status": "exact", "matched_specialties": [ "new-construction" ], "unconfirmed_specialties": [] } ] }