---
canonical_url: https://lendb.ai/s/fha/mississippi
last_verified: 2026-10-09
---

# FHA loan officers in Mississippi

As of 2026-10-09, LenDb lists 48 loan officers licensed in or based in Mississippi whose lender pages show FHA loan work. The top-ranked are Meg Hicks (CrossCountry Mortgage, Vestavia), Jackson Thomas (CrossCountry Mortgage, Dallas) and Darren Gill (GMFS Mortgage, Baton Rouge). Ranking is lender-neutral: specialty evidence first, then a license in MS, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Meg Hicks](https://lendb.ai/lo/meg-hicks-994024)** (NMLS 994024), CrossCountry Mortgage, Vestavia, AL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
   - States 14 years of experience (lender page, 2026-10-09)
2. **[Jackson Thomas](https://lendb.ai/lo/jackson-thomas-1190420)** (NMLS 1190420), CrossCountry Mortgage, Dallas, TX
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Colorado records)
3. **[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)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 9 years of experience (lender page, 2026-10-09)
4. **[Eric Todderud](https://lendb.ai/lo/eric-todderud-2039867)** (NMLS 2039867), Guild Mortgage, Fishers, IN
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
5. **[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)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
6. **[Jonathan Crockett](https://lendb.ai/lo/jonathan-crockett-377987)** (NMLS 377987), Guild Mortgage, Henderson, NV
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
7. **[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)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Rutherford Yeates](https://lendb.ai/lo/rutherford-yeates-2096232)** (NMLS 2096232), Assurance Financial, Birmingham, AL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
9. **[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)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
10. **[Haley Barnes](https://lendb.ai/lo/haley-barnes-1668981)** (NMLS 1668981), Union Home Mortgage, Mobile, AL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
11. **[Nicole Falgout](https://lendb.ai/lo/nicole-falgout-2253729)** (NMLS 2253729), Guild Mortgage, Bentonville, AR
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
12. **[Tod Cotman](https://lendb.ai/lo/tod-cotman-658279)** (NMLS 658279), CrossCountry Mortgage, Gulfport, MS
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Gulfport, MS
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 25 years of experience (lender page, 2026-10-09)
13. **[Tammy Guyse](https://lendb.ai/lo/tammy-guyse-1289958)** (NMLS 1289958), CrossCountry Mortgage, Hattiesburg, MS
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Hattiesburg, MS
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 25 years of experience (lender page, 2026-10-09)
14. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Colorado records)
   - States 20 years of experience (lender page, 2026-10-09)
15. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
16. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
17. **[Scott Hulsey](https://lendb.ai/lo/scott-hulsey-223077)** (NMLS 223077), CrossCountry Mortgage, Chicago, IL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 23 years of experience (lender page, 2026-10-09)
18. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)
19. **[Nicole Weaver](https://lendb.ai/lo/nicole-weaver-278031)** (NMLS 278031), CrossCountry Mortgage, Houston, TX
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 17 years of experience (lender page, 2026-10-09)
20. **[Joe McBreen](https://lendb.ai/lo/joseph-mcbreen-686541)** (NMLS 686541), CrossCountry Mortgage, Michigan City, IN
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
   - States 16 years of experience (lender page, 2026-10-09)
21. **[Cissy Bacon](https://lendb.ai/lo/cecilia-bacon-36702)** (NMLS 36702), CrossCountry Mortgage, Mobile, AL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2010 (per Florida records)
22. **[Scott Evans](https://lendb.ai/lo/scott-evans-256163)** (NMLS 256163), CrossCountry Mortgage, San Diego, CA
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2013 (per Florida records)
23. **[Raul Zaragoza](https://lendb.ai/lo/raul-zaragoza-1698142)** (NMLS 1698142), CrossCountry Mortgage, Ocean Springs, MS
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Ocean Springs, MS
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
24. **[Steven Candow](https://lendb.ai/lo/steven-candow-218530)** (NMLS 218530), CrossCountry Mortgage, Cleveland, OH
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
25. **[Tim Smith](https://lendb.ai/lo/tim-smith-104578)** (NMLS 104578), CrossCountry Mortgage, Memphis, TN
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)

## 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/mississippi.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._