--- canonical_url: https://lendb.ai/s/fha/new-mexico last_verified: 2026-10-09 --- # FHA loan officers in New Mexico As of 2026-10-09, LenDb lists 74 loan officers licensed in or based in New Mexico whose lender pages show FHA loan work. The top-ranked are Brenda Gonzales (Guild Mortgage, Albuquerque), Jay Garvens (Churchill Mortgage, Colorado Springs) and Bruce Gibson (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in NM, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Brenda Gonzales](https://lendb.ai/lo/brenda-gonzales-2638408)** (NMLS 2638408), Guild Mortgage, Albuquerque, NM - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - NM 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) 2. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Bruce Gibson](https://lendb.ai/lo/bruce-gibson-501286)** (NMLS 501286), Xpert Home Lending - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 4. **[Darik Tolnay](https://lendb.ai/lo/darik-tolnay-521445)** (NMLS 521445), CrossCountry Mortgage, Lakewood, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 15 years of experience (lender page, 2026-10-09) 5. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 6. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 7. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 8. **[Emily Magill](https://lendb.ai/lo/emily-magill-279638)** (NMLS 279638), Intercap Lending, Pleasant Grove, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 9. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 10. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 11. **[Burx Norrod](https://lendb.ai/lo/burx-norrod-852144)** (NMLS 852144), Barrett Financial Group, Chandler, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Danny Drysdale](https://lendb.ai/lo/daniel-drysdale-874523)** (NMLS 874523), Intercap Lending, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 13. **[Ryne Bernal](https://lendb.ai/lo/ryne-bernal-2052424)** (NMLS 2052424), Churchill Mortgage, Allen, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 15. **[Kelly McReynolds](https://lendb.ai/lo/kelly-mcreynolds-1480497)** (NMLS 1480497), Guild Mortgage, Albuquerque, NM - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Gregory Doss](https://lendb.ai/lo/gregory-doss-1787756)** (NMLS 1787756), Guild Mortgage, Albuquerque, NM - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Christopher Gonzales](https://lendb.ai/lo/christopher-gonzales-403871)** (NMLS 403871), JPMorgan Chase Bank (Chase Home Lending), Albuquerque, NM - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 15 years of experience (lender page, 2026-10-09) 20. **[Kenneth Locke](https://lendb.ai/lo/kenneth-locke-87627)** (NMLS 87627), CrossCountry Mortgage, Newport Beach, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 21. **[Ari Wren](https://lendb.ai/lo/ari-wren-2012580)** (NMLS 2012580), American Pacific Mortgage, El Paso, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Randy Montoya](https://lendb.ai/lo/randy-montoya-198143)** (NMLS 198143), JPMorgan Chase Bank (Chase Home Lending), Albuquerque, NM - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Angel Fire, NM - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Angel Fire, NM - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) - States 34 years of experience (lender page, 2026-10-09) 24. **[Michael Hatzidakis](https://lendb.ai/lo/michael-hatzidakis-49844)** (NMLS 49844), CrossCountry Mortgage, Melville, NY - Lists FHA loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 25. **[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) - NM 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) ## 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/new-mexico. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._