{
  "canonical_url": "https://lendb.ai/s/fha/arkansas",
  "summary": "As of 2026-10-09, LenDb lists 102 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.",
  "specialty": "fha",
  "state": "AR",
  "total": 102,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246"
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 659544,
        "slug": "erika-alves-659544",
        "full_name": "Erika Alves",
        "canonical_url": "https://lendb.ai/lo/erika-alves-659544",
        "json_url": "https://lendb.ai/lo/erika-alves-659544.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4600/erika-alves/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/erika-alves-659544"
    },
    {
      "rank": 3,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1057175,
        "slug": "kristina-hayes-1057175",
        "full_name": "Kristina Hayes",
        "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
        "json_url": "https://lendb.ai/lo/kristina-hayes-1057175.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175"
    },
    {
      "rank": 4,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 190053,
        "slug": "randall-key-190053",
        "full_name": "Randy Key",
        "canonical_url": "https://lendb.ai/lo/randall-key-190053",
        "json_url": "https://lendb.ai/lo/randall-key-190053.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "LA",
          "NC",
          "NM",
          "OH",
          "OK",
          "TN",
          "TX",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/randy-key"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/randall-key-190053"
    },
    {
      "rank": 6,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 221065,
        "slug": "adam-miller-221065",
        "full_name": "Adam Miller",
        "canonical_url": "https://lendb.ai/lo/adam-miller-221065",
        "json_url": "https://lendb.ai/lo/adam-miller-221065.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "IA",
          "IL",
          "IN",
          "KS",
          "MI",
          "MO",
          "MS",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/adam-miller"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-miller-221065"
    },
    {
      "rank": 7,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 965240,
        "slug": "sonia-hashimi-965240",
        "full_name": "Sonia Hashimi",
        "canonical_url": "https://lendb.ai/lo/sonia-hashimi-965240",
        "json_url": "https://lendb.ai/lo/sonia-hashimi-965240.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AL",
          "AR",
          "AZ",
          "CA",
          "DE",
          "FL",
          "GA",
          "IN",
          "LA",
          "MI",
          "MN",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sonia-hashimi-965240"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/sonia-hashimi-965240"
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 143768,
        "slug": "david-krause-143768",
        "full_name": "David Krause",
        "canonical_url": "https://lendb.ai/lo/david-krause-143768",
        "json_url": "https://lendb.ai/lo/david-krause-143768.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871"
        },
        "branch": {
          "city": "Rogers",
          "state": "AR"
        },
        "licensed_states": [
          "AR",
          "MO",
          "OK"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/david-krause/"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/david-krause-143768"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1725443,
        "slug": "ioannis-stefanidis-1725443",
        "full_name": "Yanni Stefanidis",
        "canonical_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443",
        "json_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "OR",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 10,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/yanni-stefanidis"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443"
    },
    {
      "rank": 10,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620"
    },
    {
      "rank": 11,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 533656,
        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656"
    },
    {
      "rank": 12,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 213769,
        "slug": "heidi-gage-213769",
        "full_name": "Heidi Gage",
        "canonical_url": "https://lendb.ai/lo/heidi-gage-213769",
        "json_url": "https://lendb.ai/lo/heidi-gage-213769.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IL",
          "KY",
          "LA",
          "MA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "OR",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
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          "state": "TX"
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          "AL",
          "AR",
          "IA",
          "KS",
          "LA",
          "OK",
          "OR",
          "SC",
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          "WI"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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}