--- canonical_url: https://lendb.ai/lo/tonja-armentrout-510632 json_url: https://lendb.ai/lo/tonja-armentrout-510632.json nmls_id: 510632 last_verified: 2026-10-17 --- # Tonja Armentrout Senior Mortgage Advisor at Farmers & Merchants Bank (VA). NMLS ID 510632 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/510632)). 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). **Summary:** Tonja Armentrout (NMLS 510632) is Senior Mortgage Advisor at Farmers & Merchants Bank (VA). Lists North Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Construction loan, FHA loan, Renovation loan (203k / HomeStyle), USDA loan and VA loan. States 18 years of experience. Last verified 2026-10-17. ## 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: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout. ### 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: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout. ### What lender does Tonja work for? Farmers & Merchants Bank (VA), company NMLS 414464, per the lender's own site (verified 2026-10-17). Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout. ### How much experience does Tonja have? Tonja states 18 years of experience. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout. ## At a glance - Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 18 (source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17) - Licensed in: North Carolina (NC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported) - Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS. - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Construction loan** (`construction`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout - **FHA loan** (`fha`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout - **USDA loan** (`usda`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout - **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout ## Facts from the lender page and intro - years_experience: 18. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17. - service_area: Shenandoah Valley and surrounding counties, including Rockingham, Augusta, and Shenandoah. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17. - service_area: Augusta County, Elkton, Harrisonburg, Rockingham County, Staunton. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17. - community: Board member of the local builders association. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17. - other: Works with an in-house underwriting team. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-17 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-17 | | WV | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-17 | ## Employment history - ? to present: Farmers & Merchants Bank (VA) (NMLS 414464). Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout, verified 2026-10-17. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/510632 ## Contact - View profile at Farmers & Merchants Bank (VA): https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout - Office phone and Email on file: shown at https://lendb.ai/lo/tonja-armentrout-510632#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/510632 - lender_site: https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout Cite as: Tonja Armentrout (NMLS 510632), Farmers & Merchants Bank (VA). LenDb.ai, https://lendb.ai/lo/tonja-armentrout-510632, last verified 2026-10-17. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._