{
  "canonical_url": "https://lendb.ai/s/fha/oklahoma",
  "summary": "As of 2026-10-09, LenDb lists 103 loan officers licensed in or based in Oklahoma whose lender pages show FHA loan work. The top-ranked are Erika Alves (CrossCountry Mortgage, Tampa), Lori Jule (Atlantic Coast Mortgage, Fairfax) and Morgan Cowle (Churchill Mortgage, Brentwood). Ranking is lender-neutral: specialty evidence first, then a license in OK, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "OK",
  "total": 103,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 659544,
        "slug": "erika-alves-659544",
        "full_name": "Erika Alves",
        "canonical_url": "https://lendb.ai/lo/erika-alves-659544",
        "json_url": "https://lendb.ai/lo/erika-alves-659544.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4600/erika-alves/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/erika-alves-659544"
    },
    {
      "rank": 2,
      "score": 52,
      "loan_officer": {
        "nmls_id": 190409,
        "slug": "lori-jule-190409",
        "full_name": "Lori Jule",
        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409"
    },
    {
      "rank": 3,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312"
    },
    {
      "rank": 4,
      "score": 51,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 180226,
        "slug": "alona-hayes-180226",
        "full_name": "Alona Hayes",
        "canonical_url": "https://lendb.ai/lo/alona-hayes-180226",
        "json_url": "https://lendb.ai/lo/alona-hayes-180226.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Lawton",
          "state": "OK"
        },
        "licensed_states": [
          "AR",
          "CO",
          "KS",
          "MO",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ok/lawton/alona-hayes-674-apahay.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "Branch in Oklahoma",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/alona-hayes-180226"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 190053,
        "slug": "randall-key-190053",
        "full_name": "Randy Key",
        "canonical_url": "https://lendb.ai/lo/randall-key-190053",
        "json_url": "https://lendb.ai/lo/randall-key-190053.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "LA",
          "NC",
          "NM",
          "OH",
          "OK",
          "TN",
          "TX",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/randy-key"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/randall-key-190053"
    },
    {
      "rank": 7,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 40422,
        "slug": "lee-dozier-40422",
        "full_name": "Lee Dozier",
        "canonical_url": "https://lendb.ai/lo/lee-dozier-40422",
        "json_url": "https://lendb.ai/lo/lee-dozier-40422.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CT",
          "GA",
          "IN",
          "KY",
          "MS",
          "OK",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 29,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/lee-dozier"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lee-dozier-40422"
    },
    {
      "rank": 8,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 283725,
        "slug": "agostino-augie-iacono-283725",
        "full_name": "Agostino (Augie) Iacono",
        "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725",
        "json_url": "https://lendb.ai/lo/agostino-augie-iacono-283725.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Brookfield",
          "state": "WI"
        },
        "licensed_states": [
          "AZ",
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "OH",
          "OK",
          "PA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/agostino-augie-iacono"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 368259,
        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-garvens-368259"
    },
    {
      "rank": 10,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 40222,
        "slug": "daniel-kraus-40222",
        "full_name": "Dan Kraus",
        "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222",
        "json_url": "https://lendb.ai/lo/daniel-kraus-40222.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "IN",
          "KS",
          "KY",
          "MA",
          "MO",
          "MS",
          "NJ",
          "OK",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 24,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222"
    },
    {
      "rank": 11,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (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"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620"
    },
    {
      "rank": 12,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 533656,
        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/david-krause/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (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"
      ],
      "canonical_url": "https://lendb.ai/lo/david-krause-143768"
    },
    {
      "rank": 25,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 86949,
        "slug": "lacey-hood-86949",
        "full_name": "Lacey Hood",
        "canonical_url": "https://lendb.ai/lo/lacey-hood-86949",
        "json_url": "https://lendb.ai/lo/lacey-hood-86949.json",
        "lender": {
          "nmls_id": 1067,
          "name": "Allied Mortgage Group",
          "canonical_url": "https://lendb.ai/lender/allied-mortgage-group-1067"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "DE",
          "GA",
          "IN",
          "KS",
          "LA",
          "MD",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "VA",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 25,
        "lender_profile_url": "https://alliedmg.com/lacey-hood"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OK (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lacey-hood-86949"
    }
  ]
}