{
  "canonical_url": "https://lendb.ai/s/new-construction/texas",
  "summary": "As of 2026-10-09, LenDb lists 34 loan officers licensed in or based in Texas whose lender pages show New construction work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Debbie Hardee (Union Home Mortgage, League City) and Chris Armbruster (Union Home Mortgage, Roanoke). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "new-construction",
  "state": "TX",
  "total": 34,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 168854,
        "slug": "james-ward-168854",
        "full_name": "James Ward",
        "canonical_url": "https://lendb.ai/lo/james-ward-168854",
        "json_url": "https://lendb.ai/lo/james-ward-168854.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "PA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/james-ward-168854"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-ward-168854"
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 179988,
        "slug": "debbie-hardee-179988",
        "full_name": "Debbie Hardee",
        "canonical_url": "https://lendb.ai/lo/debbie-hardee-179988",
        "json_url": "https://lendb.ai/lo/debbie-hardee-179988.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "League City",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/debbie-hardee/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/debbie-hardee-179988"
    },
    {
      "rank": 3,
      "score": 55.3,
      "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"
        },
        "branch": {
          "city": "Roanoke",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "GA",
          "KS",
          "MO",
          "OK",
          "TN",
          "TX",
          "VA"
        ],
        "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": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/chris-armbruster/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561"
    },
    {
      "rank": 4,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 2841984,
        "slug": "julian-retan-2841984",
        "full_name": "Julian Retan",
        "canonical_url": "https://lendb.ai/lo/julian-retan-2841984",
        "json_url": "https://lendb.ai/lo/julian-retan-2841984.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 12,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/julian-retan/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "12 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/julian-retan-2841984"
    },
    {
      "rank": 5,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 334493,
        "slug": "roberta-greenman-334493",
        "full_name": "Bobbie Greenman",
        "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493",
        "json_url": "https://lendb.ai/lo/roberta-greenman-334493.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "San Antonio",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/bobbie-greenman-932-chrgr.html"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493"
    },
    {
      "rank": 6,
      "score": 52.5,
      "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"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "licensed_states": [
          "IL",
          "IN",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/michael-dewitt/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-dewitt-129465"
    },
    {
      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 280093,
        "slug": "misty-stewart-280093",
        "full_name": "Misty Stewart",
        "canonical_url": "https://lendb.ai/lo/misty-stewart-280093",
        "json_url": "https://lendb.ai/lo/misty-stewart-280093.json",
        "lender": {
          "nmls_id": 1886352,
          "name": "LoanPeople",
          "canonical_url": "https://lendb.ai/lender/loanpeople-1886352"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://loanpeople.com/loan-officers/misty-stewart/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/misty-stewart-280093"
    },
    {
      "rank": 8,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 292478,
        "slug": "amanda-stewart-292478",
        "full_name": "Amanda Stewart",
        "canonical_url": "https://lendb.ai/lo/amanda-stewart-292478",
        "json_url": "https://lendb.ai/lo/amanda-stewart-292478.json",
        "lender": {
          "nmls_id": 1886352,
          "name": "LoanPeople",
          "canonical_url": "https://lendb.ai/lender/loanpeople-1886352"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://loanpeople.com/loan-officers/amanda-stewart/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/amanda-stewart-292478"
    },
    {
      "rank": 9,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2064664,
        "slug": "joshua-mitchell-2064664",
        "full_name": "Joshua Mitchell",
        "canonical_url": "https://lendb.ai/lo/joshua-mitchell-2064664",
        "json_url": "https://lendb.ai/lo/joshua-mitchell-2064664.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Boerne",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "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": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/boerne/joshua-mitchell-649-apjmit.html"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joshua-mitchell-2064664"
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 174999,
        "slug": "jessica-uphoff-174999",
        "full_name": "Jess 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"
        },
        "branch": {
          "city": "Westminster",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "IL",
          "MT",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/jessuphoff/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999"
    },
    {
      "rank": 11,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 239635,
        "slug": "ann-geske-239635",
        "full_name": "Ann Geske",
        "canonical_url": "https://lendb.ai/lo/ann-geske-239635",
        "json_url": "https://lendb.ai/lo/ann-geske-239635.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 35,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/ageske/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ann-geske-239635"
    },
    {
      "rank": 12,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 221731,
        "slug": "ryan-sandell-221731",
        "full_name": "Ryan Sandell",
        "canonical_url": "https://lendb.ai/lo/ryan-sandell-221731",
        "json_url": "https://lendb.ai/lo/ryan-sandell-221731.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "GA",
          "ID",
          "NM",
          "NV",
          "TX",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/ryan-sandell/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-sandell-221731"
    },
    {
      "rank": 13,
      "score": 47.8,
      "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"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "TX"
        ],
        "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,
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/SheriWatkins"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665"
    },
    {
      "rank": 14,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1296290,
        "slug": "shane-staples-1296290",
        "full_name": "Shane Staples",
        "canonical_url": "https://lendb.ai/lo/shane-staples-1296290",
        "json_url": "https://lendb.ai/lo/shane-staples-1296290.json",
        "lender": {
          "nmls_id": 2893,
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          "name": "Mutual of Omaha Mortgage",
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          "state": "CO"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
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          "state": "UT"
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          "AZ",
          "CA",
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          "NM",
          "NV",
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
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          "state": "CA"
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          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
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          "TN",
          "TX",
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "FL",
          "GA",
          "KY",
          "LA",
          "MD",
          "MS",
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          "OH",
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          "TX",
          "VA",
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender": {
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          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
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          "state": "CA"
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          "IN",
          "KS",
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          "OR",
          "PA",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
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          "IN",
          "TX",
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          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-sewell-212085"
    }
  ]
}