--- canonical_url: https://lendb.ai/s/fha/iowa last_verified: 2026-10-09 --- # FHA loan officers in Iowa As of 2026-10-09, LenDb lists 88 loan officers licensed in or based in Iowa whose lender pages show FHA loan work. The top-ranked are Andrew Schmidt (Churchill Mortgage, Scottsdale), Kevin Holmes (NFM Lending, Linthicum) and Sandee Lutz (CrossCountry Mortgage, Romeo). Ranking is lender-neutral: specialty evidence first, then a license in IA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Andrew Schmidt](https://lendb.ai/lo/andrew-schmidt-201143)** (NMLS 201143), Churchill Mortgage, Scottsdale, AZ - 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. **[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 IA (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 3. **[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 IA (listed on lender page, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb 4. **[Ellie Breitbach](https://lendb.ai/lo/elizabeth-breitbach-1849568)** (NMLS 1849568), Guild Mortgage, Prior Lake, MN - 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 5. **[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 IA (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 6. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - 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 7. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - 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 8. **[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 IA (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 9. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - 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 10. **[Jenna Moore](https://lendb.ai/lo/jenna-moore-890066)** (NMLS 890066), Guild Mortgage, Hannibal, MO - 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 11. **[Michael Chi-Ukpai](https://lendb.ai/lo/michael-chi-ukpai-1371449)** (NMLS 1371449), CrossCountry Mortgage, Scottsdale, AZ - 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 12. **[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 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 13. **[Matt Shiner](https://lendb.ai/lo/matthew-shiner-1260521)** (NMLS 1260521), NFM Lending, Tempe, AZ - 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 14. **[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 IA (listed on lender page, verified 2026-10-09) - 3 years licensed - No disciplinary actions on file at LenDb 15. **[Mary Greenwood](https://lendb.ai/lo/mary-greenwood-459324)** (NMLS 459324), NFM Lending, Colorado Springs, CO - 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 16. **[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 IA (listed on lender page, verified 2026-10-09) - 2 years licensed - No disciplinary actions on file at LenDb 17. **[Debbie Schmidt](https://lendb.ai/lo/debbie-schmidt-201144)** (NMLS 201144), Churchill Mortgage, Scottsdale, AZ - 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 18. **[Holly Luca](https://lendb.ai/lo/holly-luca-586712)** (NMLS 586712), Loan Factory - 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 19. **[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 IA (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 20. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - 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 21. **[Jeff Hammel](https://lendb.ai/lo/jeffrey-hammel-162437)** (NMLS 162437), Ruoff Mortgage - 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 22. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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 23. **[Joshua Phillips](https://lendb.ai/lo/joshua-phillips-157670)** (NMLS 157670), Churchill Mortgage, Brentwood, TN - 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 24. **[Steve Carter](https://lendb.ai/lo/steven-carter-1178666)** (NMLS 1178666), Intercap Lending, Salt Lake City, UT - 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 25. **[Shawn Durant](https://lendb.ai/lo/shawn-durant-221971)** (NMLS 221971), American Pacific Mortgage, Roseville, CA - 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 ## 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/iowa. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._