{
  "canonical_url": "https://lendb.ai/s/rural/texas",
  "summary": "As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Texas whose lender pages show Rural property work. The top-ranked are Cheryl S New (Guild Mortgage, Stephenville), Abby Crawford (Highlands Residential Mortgage, Allen) and Amore Azimi (Embrace Home Loans, Rockville). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "rural",
  "state": "TX",
  "total": 6,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 218555,
        "slug": "cheryl-new-218555",
        "full_name": "Cheryl S New",
        "canonical_url": "https://lendb.ai/lo/cheryl-new-218555",
        "json_url": "https://lendb.ai/lo/cheryl-new-218555.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Stephenville",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/stephenville/cheryl-new-894-apcn.html"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/cheryl-new-218555"
    },
    {
      "rank": 2,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1751005,
        "slug": "abby-crawford-1751005",
        "full_name": "Abby Crawford",
        "canonical_url": "https://lendb.ai/lo/abby-crawford-1751005",
        "json_url": "https://lendb.ai/lo/abby-crawford-1751005.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": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 7,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/abby-crawford/"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "Branch in Texas",
        "7 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/abby-crawford-1751005"
    },
    {
      "rank": 3,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 1045180,
        "slug": "amore-azimi-1045180",
        "full_name": "Amore Azimi",
        "canonical_url": "https://lendb.ai/lo/amore-azimi-1045180",
        "json_url": "https://lendb.ai/lo/amore-azimi-1045180.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Rockville",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "OK",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/rockville/amore-azimi"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/amore-azimi-1045180"
    },
    {
      "rank": 4,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 186479,
        "slug": "joseph-geffert-186479",
        "full_name": "Joseph Geffert",
        "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479",
        "json_url": "https://lendb.ai/lo/joseph-geffert-186479.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AR",
          "IN",
          "KY",
          "MI",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479"
    },
    {
      "rank": 5,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 793567,
        "slug": "tim-secor-793567",
        "full_name": "Tim Secor",
        "canonical_url": "https://lendb.ai/lo/tim-secor-793567",
        "json_url": "https://lendb.ai/lo/tim-secor-793567.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Plano",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/plano/tim-secor-863-aptse.html"
      },
      "reasons": [
        "Lists Rural property 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/tim-secor-793567"
    },
    {
      "rank": 6,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2810962,
        "slug": "heidi-hernandez-2810962",
        "full_name": "Heidi Hernandez",
        "canonical_url": "https://lendb.ai/lo/heidi-hernandez-2810962",
        "json_url": "https://lendb.ai/lo/heidi-hernandez-2810962.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CO",
          "HI",
          "MI",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/heidi-hernandez"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heidi-hernandez-2810962"
    }
  ]
}