---
canonical_url: https://lendb.ai/lo/wayne-palkovic-201581
json_url: https://lendb.ai/lo/wayne-palkovic-201581.json
nmls_id: 201581
last_verified: 2026-10-09
---

# Wayne Palkovic

Senior Loan Officer at Embrace Home Loans, Martinsburg, WV. NMLS ID 201581 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/201581)).

**Summary:** Wayne Palkovic (NMLS 201581) is Senior Loan Officer at Embrace Home Loans, based in Martinsburg, WV. Licensed in 4 states: Maryland, Pennsylvania, Virginia and West Virginia. Focus areas shown on the lender page: FHA loan, Jumbo loan, USDA loan and VA loan. States 43 years of experience. Last verified 2026-10-09.

## At a glance

- Years licensed: unknown
- Years experience (stated by the LO): 43 (source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic, verified 2026-10-09)
- Licensed in: Maryland (MD), Pennsylvania (PA), Virginia (VA), West Virginia (WV)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic
- **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic

## About

Wayne Palkovic is a Senior Loan Officer with over 43 years of mortgage industry experience. He specializes in USDA, FHA, VA, and jumbo loans, and helps thousands of clients navigate homebuying with excellent communication.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 43. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic, verified 2026-10-09.
- role: Senior Loan Officer. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic, verified 2026-10-09.
- credential: Recognized as one of the Best Military Lenders by National Mortgage Professional Magazine in 2018. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| MD | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Martinsburg, WV. Source: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic
- Office phone and Email on file: shown at https://lendb.ai/lo/wayne-palkovic-201581#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/201581
- lender_site: https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic

Cite as: Wayne Palkovic (NMLS 201581), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/wayne-palkovic-201581, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._