Borrower situations · West Virginia
Loan officers for homeowners who are refinancing in West Virginia
As of 2026-10-26, LenDb lists 48 loan officers licensed in or based in West Virginia whose lender pages show Refinance work. The top-ranked are Jason Inglish (ALCOVA Mortgage, Cumberland), Mike Schuster (CrossCountry Mortgage, Columbia) and Tim Hand (First Home Mortgage, Dunkirk). 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
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- Refinance
- FHA loan
- Real estate investor
- USDA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 26, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 2
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 3
Tim HandNMLS 2399625
First Home Mortgage · Dunkirk, MD · licensed in 6 states
- Refinance
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: December 27, 2022 (Florida), per state regulator
- 4
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 23, 2016 (California), per state regulator
- 5
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 27, 2010 (California), per state regulator
- 6
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: June 26, 2025 (Florida), per state regulator
- 7
Sarah LathropNMLS 1611631
Mortgage Solutions of Colorado, LLC · Colorado Springs, CO · licensed in 9 states
- Refinance
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: January 4, 2018 (Colorado), per state regulator
- 8
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 9
Kevin PatrickNMLS 1036946
CrossCountry Mortgage · Martinsburg, WV · licensed in 14 states
- Refinance
- First-time buyer
- Non-QM loan
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Martinsburg, WV
- Earliest state license record: August 15, 2017 (Florida), per state regulator
- 10
Tom HammondNMLS 453399
CrossCountry Mortgage · Charlotte, NC · licensed in 9 states
- Refinance
- Reverse mortgage
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: February 26, 2015 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 11
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: March 3, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 12
Peter CorumNMLS 189214
CrossCountry Mortgage · Martinsburg, WV · licensed in 5 states
- Refinance
- Construction loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Martinsburg, WV
- 13
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Refinance
- First-time buyer
- HELOC
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: December 23, 2020 (Florida), per state regulator
- States 24 years of experience (lender page, 2026-10-21)
- 14
Dave MellottNMLS 450659
CrossCountry Mortgage · Martinsburg, WV · licensed in 4 states
- Refinance
- USDA loan
- VA loan
- FHA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Martinsburg, WV
- 15
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Refinance
- Down payment assistance
- Jumbo loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: March 22, 2024 (Colorado), per state regulator
- States 24 years of experience (lender page, 2026-10-22)
- 16
Terry MumawNMLS 1566641
CrossCountry Mortgage · Martinsburg, WV · licensed in 4 states
- Refinance
- VA loan
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Martinsburg, WV
- 17
Aaron DentonNMLS 370202
CrossCountry Mortgage · Batavia, OH · licensed in 8 states
- Refinance
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: May 15, 2015 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 18
Jason WilburNMLS 676414
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- Refinance
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: February 17, 2020 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 19
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states
- Refinance
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: December 19, 2018 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 20
Joy GummNMLS 2053304
CrossCountry Mortgage · South Charleston, WV
- Refinance
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in South Charleston, WV
- 21
Jennifer WilsonNMLS 798613
CrossCountry Mortgage · Morgantown, WV · licensed in 6 states
- Refinance
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Morgantown, WV
- 22
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- Refinance
- First-time buyer
- Renovation loan (203k / HomeStyle)
- VA loan
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 4, 2022 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 23
Lisa M. ZellerNMLS 415625
Truist Bank · Bank · Morgantown, WV
- Refinance
- First-time buyer
- Physician and medical professional
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Morgantown, WV
- 24
Samuel CroninNMLS 179178
CrossCountry Mortgage · Zanesville, OH · licensed in 7 states
- Refinance
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 4, 2015 (Wisconsin), per state regulator
- 25
Bruce BrinkerhoffNMLS 639483
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- Refinance
- Construction loan
- FHA loan
- First-time buyer
- WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: August 15, 2019 (Oregon), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.