Tonja Armentrout
Senior Mortgage Advisor at Farmers & Merchants Bank (VA)
NMLS ID 510632 (opens in a new tab) · verify at NMLS Consumer Access
Tonja Armentrout (NMLS 510632) is a Senior Mortgage Advisor at Farmers & Merchants Bank (VA), serving North Carolina, Virginia and West Virginia. Tonja's focus, from their own profile, includes construction loan, FHA loan and renovation loan (203k / HomeStyle).
Last verified . Sources: Farmers & Merchants Bank (VA) (fmbankva.com) and NMLS Consumer Access (license status, check live).
- 18 years experience (stated)
- Likely federally registered
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Tonja licensed in North Carolina?
- Farmers & Merchants Bank (VA)'s page for Tonja lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 2 other states on file for Tonja.
- Source: lender page (opens in a new tab)
- Does Tonja do construction loans?
- Tonja's profile lists construction loan as a focus (from their lender profile page). It also lists FHA loan, renovation loan (203k / HomeStyle) and USDA loan.
- Source: lender page (opens in a new tab)
- What lender does Tonja work for?
- Farmers & Merchants Bank (VA), company NMLS 414464, per the lender's own site (verified 2026-10-17).
- Source: lender site (opens in a new tab)
- How much experience does Tonja have?
- Tonja states 18 years of experience.
- Source: the loan officer's own statement (opens in a new tab)
Specialties
Focus
- Focus: Construction loan(from their lender profile page)
- Focus: FHA loan(from their lender profile page)
- Focus: Renovation loan (203k / HomeStyle)(from their lender profile page)
- Focus: USDA loan(from their lender profile page)
- Focus: VA loan(from their lender profile page)
Where we saw these: fmbankva.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
North Carolina, Virginia, West Virginia
Lender-reported: NC, VA, WV are listed on the lender page, not yet checked with the state regulator.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
A quick automatic check keeps bots from harvesting contact details.
We never see who you contact.
Employment history
Farmers & Merchants Bank (VA) NMLS 414464
Current · seen on lender site 2026-10-17
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Serves
- Shenandoah Valley and surrounding counties, including Rockingham, Augusta, and Shenandoah
- Source (opens in a new tab), verified 2026-10-17
- Serves
- Augusta County, Elkton, Harrisonburg, Rockingham County, Staunton
- Source (opens in a new tab), verified 2026-10-17
- Community
- Board member of the local builders association
- Source (opens in a new tab), verified 2026-10-17
Sources
| Name and employer | lender site · fmbankva.com (opens in a new tab) | verified 2026-10-17 |
| Licensed states | lender site · fmbankva.com (opens in a new tab) | verified 2026-10-17 |
| Specialties | lender site · fmbankva.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · fmbankva.com (opens in a new tab) | verified 2026-10-17 |
| Photo | lender site · fmbankva.com (opens in a new tab) | verified 2026-10-17 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Tonja Armentrout (NMLS 510632), Farmers & Merchants Bank (VA). LenDb.ai, https://lendb.ai/lo/tonja-armentrout-510632, last verified 2026-10-17.
Is this you?
Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.