Borrower situations · Arkansas
Loan officers for first-time buyers in Arkansas
As of 2026-10-09, LenDb lists 115 loan officers licensed in or based in Arkansas whose lender pages show First-time buyer work. The top-ranked are Charity Cummings (Guild Mortgage, Bentonville), Adam Workman (CrossCountry Mortgage, Charlotte) and Shelley Dunn (Guild Mortgage, Southaven). Ranking is lender-neutral: specialty evidence first, then a license in AR, 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
Charity CummingsNMLS 404245
Guild Mortgage · Bentonville, AR · licensed in 4 states
- First-time buyer
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Bentonville, AR
- States 30 years of experience (lender page, 2026-10-09)
- 2
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Shelley DunnNMLS 185241
Guild Mortgage · Southaven, MS · licensed in 4 states
- First-time buyer
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 4
Kyrstin ZimmermannNMLS 307963
CrossCountry Mortgage · Willow Park, TX · licensed in 5 states
- First-time buyer
- VA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
AJ DiCarloNMLS 2488670
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- First-time buyer
- Construction loan
- Real estate investor
- VA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 7
Joe McBreenNMLS 686541
CrossCountry Mortgage · Michigan City, IN · licensed in 22 states
- First-time buyer
- Real estate investor
- FHA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 8
John MarkmanNMLS 1660491
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 3 states
- First-time buyer
- Real estate investor
- Self-employed
- Bank statement loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 16 years of experience (lender page, 2026-10-09)
- 9
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 10
Devin FahrnerNMLS 399405
American Pacific Mortgage · Eagle, ID · licensed in 17 states
- First-time buyer
- VA loan
- Real estate investor
- Reverse mortgage
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Colorado records)
- States 30 years of experience (lender page, 2026-10-09)
- 11
Candace CagleNMLS 878436
CrossCountry Mortgage · Houston, TX · licensed in 4 states
- First-time buyer
- Construction loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Wes BlackNMLS 2029937
Guild Mortgage · Bentonville, AR
- First-time buyer
- VA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Bentonville, AR
- States 6 years of experience (lender page, 2026-10-09)
- 13
Mitchell ScottNMLS 1313748
CrossCountry Mortgage · Springfield, MO · licensed in 4 states
- First-time buyer
- Renovation loan (203k / HomeStyle)
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 14
Yanni StefanidisNMLS 1725443
Churchill Mortgage · Irvine, CA · licensed in 16 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 15
Angie TurleyNMLS 363066
Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states
- First-time buyer
- Self-employed
- VA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 16
Yesenia SanabriaNMLS 1932716
Guild Mortgage · Bentonville, AR · licensed in 4 states
- First-time buyer
- Down payment assistance
- ITIN borrower
- Real estate investor
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Bentonville, AR
- 17
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- First-time buyer
- Condo
- Non-QM loan
- New construction
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 18
Caylab HerreraNMLS 2035377
Churchill Mortgage · Allen, TX · licensed in 8 states
- First-time buyer
- Real estate investor
- Construction loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 6 years of experience (lender page, 2026-10-09)
- 19
Nicole FalgoutNMLS 2253729
Guild Mortgage · Bentonville, AR · licensed in 3 states
- First-time buyer
- Real estate investor
- FHA loan
- Down payment assistance
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Bentonville, AR
- 20
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- First-time buyer
- Real estate investor
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Colorado records)
- 21
Sonia HashimiNMLS 965240
Loan Factory · Mortgage broker · licensed in 17 states
- First-time buyer
- Real estate investor
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 22
Cierra DavisNMLS 2216290
Guild Mortgage · Mountain Brook, AL · licensed in 13 states
- First-time buyer
- VA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 23
Miranda DaileyNMLS 210436
Guild Mortgage · Little Rock, AR · licensed in 3 states
- First-time buyer
- Real estate investor
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Little Rock, AR
- Licensed since 2017 (per Florida records)
- States 19 years of experience (lender page, 2026-10-09)
- 24
Xiaolan ZhuNMLS 2180005
Loan Factory · Mortgage broker · licensed in 7 states
- First-time buyer
- Real estate investor
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 25
Sherry BurnettNMLS 407495
Guild Mortgage · Springfield, MO · licensed in 3 states
- First-time buyer
- FHA loan
- Jumbo loan
- USDA loan
- AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
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 AR license is confirmed with the state regulator (check mark), AR 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=first-time-buyer&state=AR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.