--- canonical_url: https://lendb.ai/s/fha/arkansas last_verified: 2026-10-09 --- # FHA loan officers in Arkansas As of 2026-10-09, LenDb lists 84 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. ## Ranked, with reasons 1. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - 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 Alves](https://lendb.ai/lo/erika-alves-659544)** (NMLS 659544), CrossCountry Mortgage, Tampa, FL - 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 Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - 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 Cowle](https://lendb.ai/lo/morgan-cowle-40312)** (NMLS 40312), Churchill Mortgage, Brentwood, TN - 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 Key](https://lendb.ai/lo/randall-key-190053)** (NMLS 190053), Churchill Mortgage, Dallas, TX - 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 Miller](https://lendb.ai/lo/adam-miller-221065)** (NMLS 221065), LeaderOne Financial, Oak Brook, IL - 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 Hashimi](https://lendb.ai/lo/sonia-hashimi-965240)** (NMLS 965240), Loan Factory - 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 Krause](https://lendb.ai/lo/david-krause-143768)** (NMLS 143768), Highlands Residential Mortgage, Rogers, AR - 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 9. **[Yanni Stefanidis](https://lendb.ai/lo/ioannis-stefanidis-1725443)** (NMLS 1725443), Churchill Mortgage, Irvine, CA - 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 Butterfield](https://lendb.ai/lo/chuck-butterfield-176620)** (NMLS 176620), Churchill Mortgage - 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. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - 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 12. **[Heidi Gage](https://lendb.ai/lo/heidi-gage-213769)** (NMLS 213769), NFM Lending, Linthicum, MD - 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 13. **[Marco Guerra](https://lendb.ai/lo/marco-guerra-453621)** (NMLS 453621), Guild Mortgage, Santa Rosa, CA - 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. **[John Ortega](https://lendb.ai/lo/john-ortega-461624)** (NMLS 461624), Churchill Mortgage, Irvine, CA - 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 15. **[Darren Gill](https://lendb.ai/lo/darren-gill-93547)** (NMLS 93547), GMFS Mortgage, Baton Rouge, LA - 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 16. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - 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. **[Arnell Brady II](https://lendb.ai/lo/arnell-brady-1128672)** (NMLS 1128672), JPMorgan Chase Bank (Chase Home Lending), Chicago, IL - 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 18. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage, Brentwood, TN - 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 19. **[Alona Hayes](https://lendb.ai/lo/alona-hayes-180226)** (NMLS 180226), Guild Mortgage, Lawton, OK - 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 20. **[Sherry Burnett](https://lendb.ai/lo/sherry-burnett-407495)** (NMLS 407495), Guild Mortgage, Springfield, MO - 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 21. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - 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 22. **[Trevor Satkowski](https://lendb.ai/lo/trevor-satkowski-1614027)** (NMLS 1614027), Guild Mortgage, San Diego, CA - 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 23. **[Xiaolan Zhu](https://lendb.ai/lo/xiaolan-zhu-2180005)** (NMLS 2180005), Loan Factory - 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 24. **[Frank Sanchez](https://lendb.ai/lo/francisco-sanchez-2290099)** (NMLS 2290099), Barrett Financial Group, Katy, TX - 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 25. **[Lisa Wheeler](https://lendb.ai/lo/lisa-wheeler-250774)** (NMLS 250774), Embrace Home Loans, Tampa, FL - 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 ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/arkansas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._