Loan programs · Iowa
FHA loan officers in Iowa
As of 2026-10-09, LenDb lists 75 loan officers licensed in or based in Iowa whose lender pages show FHA loan work. The top-ranked are Andrew Schmidt (Churchill Mortgage, Scottsdale), John Higdon (Guild Mortgage, Waterloo) and Mark Roos (Guild Mortgage, Sioux City). Ranking is lender-neutral: specialty evidence first, then a license in IA, 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
Andrew SchmidtNMLS 201143
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
John HigdonNMLS 929683
Guild Mortgage · Waterloo, IA · licensed in 8 states
- FHA loan
- First-time buyer
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- Branch in Iowa
- 6 years licensed
- 3
Mark RoosNMLS 418790
Guild Mortgage · Sioux City, IA · licensed in 3 states
- FHA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- Branch in Iowa
- 5 years licensed
- 4
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 IA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 5
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 IA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 6
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Self-employed
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
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 IA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 8
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- FHA loan
- DSCR loan
- First-time buyer
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 9
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 IA (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
- 10
Ellie BreitbachNMLS 1849568
Guild Mortgage · Prior Lake, MN · licensed in 4 states
- FHA loan
- Down payment assistance
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 11
Matt ShinerNMLS 1260521
NFM Lending · Tempe, AZ · licensed in 9 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 12
Kurt DoyNMLS 581931
Guild Mortgage · Oswego, IL · licensed in 6 states
- FHA loan
- Down payment assistance
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 13
Jason MeiningerNMLS 1679848
Guild Mortgage · Hannibal, MO · licensed in 7 states
- FHA loan
- Down payment assistance
- First-time buyer
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 14
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 IA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 15
Cody WittmaackNMLS 511357
JPMorgan Chase Bank (Chase Home Lending) · Waukee, IA
- FHA loan
- First-time buyer
- Self-employed
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Branch in Iowa; no license list on file yet, verify at NMLS Consumer Access
- 16 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Mary GreenwoodNMLS 459324
NFM Lending · Colorado Springs, CO · licensed in 9 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 2 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 IA (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 18
Debbie SchmidtNMLS 201144
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 24 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Holly LucaNMLS 586712
Loan Factory · licensed in 4 states
- FHA loan
- Construction loan
- Down payment assistance
- DSCR loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 20
Jenna MooreNMLS 890066
Guild Mortgage · Hannibal, MO · licensed in 3 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 IA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
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 IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 22
Emmett ClarkNMLS 233747
Loan Factory · licensed in 18 states
- FHA loan
- First-time buyer
- VA loan
- HELOC
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 23
Jeff HammelNMLS 162437
Ruoff Mortgage · licensed in 17 states
- FHA loan
- HELOC
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 24
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
Joshua PhillipsNMLS 157670
Churchill Mortgage · Brentwood, TN · licensed in 10 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 9 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 IA 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=IA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.