{ "canonical_url": "https://lendb.ai/s/refinance/texas", "summary": "As of 2026-10-26, LenDb lists 107 loan officers licensed in or based in Texas whose lender pages show Refinance work. The top-ranked are Zinnia Galindo (CrossCountry Mortgage, Plano), Kellie Buchanan (Highlands Residential Mortgage, Allen) and Sabrena Hughes (Highlands Residential Mortgage, Texarkana). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "TX", "total": 107, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 63.5, "loan_officer": { "nmls_id": 2014688, "slug": "zinnia-galindo-2014688", "full_name": "Zinnia Galindo", "canonical_url": "https://lendb.ai/lo/zinnia-galindo-2014688", "json_url": "https://lendb.ai/lo/zinnia-galindo-2014688.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Plano", "state": "TX" }, "headshot_url": "https://thevault.ccm.com/asset/095f1a1f-a9eb-4fab-bfbc-c15a28dfeeec/Website/4272_Galindo_2014688.jpg", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-03-05", "state": "TX" }, "licensed_since": { "year": 2021, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/plano-tx-4272/zinnia-galindo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Plano, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: March 5, 2021 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/zinnia-galindo-2014688", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 63.3, "loan_officer": { "nmls_id": 744052, "slug": "kellie-buchanan-744052", "full_name": "Kellie Buchanan", "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "slug": "highlands-residential-mortgage-134871", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Allen", "state": "TX" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "TX", "NM", "OK", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "investor" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-01-06", "state": "TX" }, "licensed_since": { "year": 2012, "state": "TX" }, "years_experience": 34, "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Allen, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: January 6, 2012 (Texas), per state regulator", "States 34 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 63.3, "loan_officer": { "nmls_id": 1305351, "slug": "sabrena-hughes-1305351", "full_name": "Sabrena Hughes", "licensed_names": [ { "name": "Sabrena Hughes", "name_with_middle_initial": "Sabrena J. Hughes", "first_name": "Sabrena", "middle_initial": "J", "last_name": "Hughes", "states": [ "AR", "TX" ], "source": "state_regulator", "as_of": "2026-10-20" } ], "canonical_url": "https://lendb.ai/lo/sabrena-hughes-1305351", "json_url": "https://lendb.ai/lo/sabrena-hughes-1305351.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "slug": "highlands-residential-mortgage-134871", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Texarkana", "state": "TX" }, "headshot_url": null, "licensed_states": [ "AR", "TX", "LA" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "renovation" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2015-05-04", "state": "TX" }, "licensed_since": { "year": 2015, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.highlandsmortgage.com/agents/sabrena-lamkin/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Texarkana, TX", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: May 4, 2015 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/sabrena-hughes-1305351", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 62.5, "loan_officer": { "nmls_id": 410338, "slug": "kimberly-shuey-410338", "full_name": "Kim Shuey", "licensed_names": [ { "name": "Kimberly Shuey", "name_with_middle_initial": "Kimberly A. Shuey", "first_name": "Kimberly", "middle_initial": "A", "last_name": "Shuey", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Kimberly Shuey", "name_with_middle_initial": null, "first_name": "Kimberly", "middle_initial": null, "last_name": "Shuey", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg", "licensed_states": [ "FL", "CO", "TX", "CT", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-22", "state": "TX" }, "licensed_since": { "year": 2011, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: July 22, 2011 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 62.5, "loan_officer": { "nmls_id": 2465316, "slug": "sharon-conner-2465316", "full_name": "Sharon Conner", "canonical_url": "https://lendb.ai/lo/sharon-conner-2465316", "json_url": "https://lendb.ai/lo/sharon-conner-2465316.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Eagle River", "state": "AK" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/41c92b625e424bb1817fe150118fce4fbbadc0b7.png", "licensed_states": [ "TX" ], "licenses": [ { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda" ], "years_licensed": null, "earliest_license_record": { "date": "2025-11-07", "state": "TX" }, "licensed_since": { "year": 2025, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.barrettfinancial.com/sconner", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: November 7, 2025 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/sharon-conner-2465316", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 62, "loan_officer": { "nmls_id": 241577, "slug": "beverly-liesy-241577", "full_name": "Beverly Liesy", "licensed_names": [ { "name": "Beverly Liesy", "name_with_middle_initial": "Beverly L. Liesy", "first_name": "Beverly", "middle_initial": "L", "last_name": "Liesy", "states": [ "CA", "FL", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "json_url": "https://lendb.ai/lo/beverly-liesy-241577.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/d2/9f/4e/5906/0.12677200_1588793679-test.jpg", "licensed_states": [ "FL", "TX", "OR", "CA", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-04-30", "state": "OR" }, "licensed_since": { "year": 2019, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "Earliest state license record: April 30, 2019 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "license_check": { "state": "TX", "confidence": "confirmed", "eligible": true, "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13", "verified_at": "2026-10-13", "source_url": "https://www.sml.texas.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 62, "loan_officer": { "nmls_id": 292336, "slug": "rob-ellis-292336", "full_name": "Rob Ellis", "licensed_names": [ { "name": "Robert Ellis", "name_with_middle_initial": "Robert N. 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