Loan programs · Arkansas
FHA loan officers in Arkansas
As of 2026-10-09, LenDb lists 78 loan officers licensed in or based in Arkansas whose lender pages show FHA loan work. The top-ranked are Kevin Holmes (NFM Lending, Linthicum), Erika Alves (CrossCountry Mortgage, Tampa) and Kristina Hayes (Churchill Mortgage, Irvine). Ranking is lender-neutral: specialty evidence first, then a license in AR, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 2
Erika AlvesNMLS 659544
CrossCountry Mortgage · Tampa, FL · licensed in 4 states
- FHA loan
- Construction loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 3
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 4
Morgan CowleNMLS 40312
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 5
Randy KeyNMLS 190053
Churchill Mortgage · Dallas, TX · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 6
Adam MillerNMLS 221065
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 7
Sonia HashimiNMLS 965240
Loan Factory · licensed in 17 states
- FHA loan
- First-time buyer
- VA loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 8
David KrauseNMLS 143768
Highlands Residential Mortgage · Rogers, AR · licensed in 3 states
- FHA loan
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- Branch in Arkansas
- 20 years experience (stated on lender page, 2026-10-09)
- 9
Yanni StefanidisNMLS 1725443
Churchill Mortgage · Irvine, CA · licensed in 16 states
- FHA loan
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 10
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- FHA loan
- First-time buyer
- Real estate investor
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 12
Marco GuerraNMLS 453621
Guild Mortgage · Santa Rosa, CA · licensed in 15 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 13
John OrtegaNMLS 461624
Churchill Mortgage · Irvine, CA · licensed in 22 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 14
Darren GillNMLS 93547
GMFS Mortgage · Baton Rouge, LA · licensed in 6 states
- FHA loan
- Construction loan
- VA loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 9 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 16
Arnell Brady IINMLS 1128672
JPMorgan Chase Bank (Chase Home Lending) · Chicago, IL · licensed in 11 states
- FHA loan
- Co-op
- Condo
- HELOC
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 17
Will PendergraftNMLS 887706
Churchill Mortgage · Brentwood, TN · licensed in 20 states
- FHA loan
- VA loan
- First-time buyer
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 18
Alona HayesNMLS 180226
Guild Mortgage · Lawton, OK · licensed in 6 states
- FHA loan
- VA loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Sherry BurnettNMLS 407495
Guild Mortgage · Springfield, MO · licensed in 3 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- FHA loan
- Bank statement loan
- DSCR loan
- HELOC
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 21
Trevor SatkowskiNMLS 1614027
Guild Mortgage · San Diego, CA · licensed in 14 states
- FHA loan
- Reverse mortgage
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Xiaolan ZhuNMLS 2180005
Loan Factory · licensed in 7 states
- FHA loan
- HELOC
- Jumbo loan
- Low credit score
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 23
Frank SanchezNMLS 2290099
Barrett Financial Group · Katy, TX · licensed in 11 states
- FHA loan
- Jumbo loan
- VA loan
- Reverse mortgage
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 24
Lisa WheelerNMLS 250774
Embrace Home Loans · Tampa, FL · licensed in 5 states
- FHA loan
- 1099 income
- Bank statement loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 25
Amadee FlomNMLS 621067
LoanPeople · licensed in 12 states
- FHA loan
- Condo
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.
- What minimum credit score do you accept for FHA, with or without overlays?
- How do you handle FHA appraisal repair requirements?
- What will mortgage insurance cost over the life of the loan?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AR or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=fha&state=AR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.