Loan programs · West Virginia
FHA loan officers in West Virginia
As of 2026-10-09, LenDb lists 46 loan officers licensed in or based in West Virginia whose lender pages show FHA loan work. The top-ranked are Scott Reese (CrossCountry Mortgage, Cleveland), Domonique Gray (Churchill Mortgage, Brentwood) and Wayne Palkovic (Embrace Home Loans, Martinsburg). Ranking is lender-neutral: specialty evidence first, then a license in WV, 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
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- FHA loan
- VA loan
- First-time buyer
- HELOC
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- FHA loan
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 3
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Martinsburg, WV
- States 43 years of experience (lender page, 2026-10-09)
- 4
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- FHA loan
- First-time buyer
- Real estate investor
- USDA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- FHA loan
- VA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 6
Joshua PhillipsNMLS 157670
Churchill Mortgage · Brentwood, TN · licensed in 10 states
- FHA loan
- USDA loan
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 7
Will PendergraftNMLS 887706
Churchill Mortgage · licensed in 20 states
- FHA loan
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 8
Kristi HardyNMLS 194938
Atlantic Coast Mortgage · Fairfax, VA · licensed in 11 states
- FHA loan
- First-time buyer
- Real estate investor
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 9
Dennis SullivanNMLS 170161
Southern Trust Mortgage · Annapolis, MD · licensed in 12 states
- FHA loan
- USDA loan
- VA loan
- Down payment assistance
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 10
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- FHA loan
- Bank statement loan
- DSCR loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 11
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- States 17 years of experience (lender page, 2026-10-09)
- 12
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- FHA loan
- Bank statement loan
- DSCR loan
- Self-employed
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 13
Don RyanNMLS 455889
Southern Trust Mortgage · Frostburg, MD · licensed in 6 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 14
Steve CarterNMLS 1178666
Intercap Lending · Salt Lake City, UT · licensed in 41 states
- FHA loan
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 13 years of experience (lender page, 2026-10-09)
- 15
Jordan TaylorNMLS 1862550
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 15 states
- FHA loan
- Construction loan
- DSCR loan
- Jumbo loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 16
Heather DevotoNMLS 186983
First Home Mortgage · McLean, VA · licensed in 5 states
- FHA loan
- First-time buyer
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 17
Paula BrownNMLS 414569
First Citizens Bank · Bank · Roanoke, VA · licensed in 2 states
- FHA loan
- Construction loan
- Down payment assistance
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 18
Teyona StewartNMLS 2215853
First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states
- FHA loan
- First-time buyer
- Down payment assistance
- HELOC
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 19
Miriam CarterNMLS 626707
JPMorgan Chase Bank (Chase Home Lending) · Bank · Barboursville, WV
- FHA loan
- Down payment assistance
- Co-op
- Condo
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Barboursville, WV
- 20
John LaMorteNMLS 183959
CrossCountry Mortgage · Fairfax, VA · licensed in 7 states
- FHA loan
- Real estate investor
- Self-employed
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 21
Paul HarsanyiNMLS 189801
CrossCountry Mortgage · North Bethesda, MD · licensed in 9 states
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 22
Frank CimpermanNMLS 194237
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 23
Aaron DentonNMLS 370202
CrossCountry Mortgage · Batavia, OH · licensed in 8 states
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 24
Jay CoxNMLS 448416
CrossCountry Mortgage · Pittsburgh, PA · licensed in 8 states
- FHA loan
- Jumbo loan
- New construction
- Self-employed
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Betsy SantellanoNMLS 493899
CrossCountry Mortgage · Deerfield, IL · licensed in 32 states
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
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 are listed when a WV license is confirmed with the state regulator (check mark), WV is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=fha&state=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.