Loan programs · North Carolina
USDA loan officers in North Carolina
As of 2026-10-09, LenDb lists 127 loan officers licensed in or based in North Carolina whose lender pages show USDA loan work. The top-ranked are Amy Goss (Guild Mortgage, Jacksonville), Kevin Holmes (NFM Lending, Linthicum) and Jolayne Craig (Atlantic Coast Mortgage, Fredericksburg). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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
Amy GossNMLS 194181
Guild Mortgage · Jacksonville, NC · licensed in 12 states
- USDA loan
- FHA loan
- First-time buyer
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 8 years licensed
- 2
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- USDA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 3
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- USDA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Mike TravisNMLS 177511
First Heritage Mortgage · Wake Forest, NC · licensed in 6 states
- USDA loan
- Construction loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 12 years licensed
- 5
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- USDA loan
- FHA loan
- Jumbo loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 6
Ray WardNMLS 264957
Atlantic Coast Mortgage · licensed in 2 states
- USDA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 26 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Tom ThussNMLS 69769
CrossCountry Mortgage · Lenoir, NC
- USDA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 20 years experience (stated on lender page, 2026-10-09)
- 8
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- USDA loan
- First-time buyer
- Manufactured home
- Real estate investor
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 29 years experience (stated on lender page, 2026-10-09)
- 9
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- USDA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 10
Alex MacklinNMLS 500343
First Citizens Bank · Fuquay-Varina, NC · licensed in 4 states
- USDA loan
- Construction loan
- Down payment assistance
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 30 years experience (stated on lender page, 2026-10-09)
- 11
Candace B. RoneyNMLS 561164
First Citizens Bank · Morehead City, NC
- USDA loan
- Construction loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 31 years experience (stated on lender page, 2026-10-09)
- 12
Constance PazNMLS 2097377
Guild Mortgage · Fayetteville, NC · licensed in 5 states
- USDA loan
- FHA loan
- First-time buyer
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- No disciplinary actions on file at LenDb
- 13
Marilyn MikanNMLS 589352
Southern Trust Mortgage · Fayetteville, NC · licensed in 6 states
- USDA loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 25 years experience (stated on lender page, 2026-10-09)
- 14
Lacey HoodNMLS 86949
Allied Mortgage Group · Charlotte, NC · licensed in 25 states
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 14 years licensed
- 15
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- USDA loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 16
Gregory Michael WestNMLS 1447959
Loan Factory · licensed in 9 states
- USDA loan
- ITIN borrower
- VA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 17
Colin Joseph TommersonNMLS 93404
Fairway Independent Mortgage Corporation · Raleigh, NC
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- No disciplinary actions on file at LenDb
- 18
Beth GottliebNMLS 412713
Guild Mortgage · Sandwich, IL · licensed in 7 states
- USDA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 19
Summer RobertsonNMLS 1009959
Union Home Mortgage · Ooltewah, TN · licensed in 5 states
- USDA loan
- Construction loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 20
Missy EasonNMLS 2168977
First Citizens Bank · Greenville, NC · licensed in 2 states
- USDA loan
- Construction loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- 15 years experience (stated on lender page, 2026-10-09)
- 21
Eric AppleNMLS 457614
First Heritage Mortgage · Durham, NC
- USDA loan
- First-time buyer
- FHA loan
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- No disciplinary actions on file at LenDb
- 22
Tiffany ArnoldNMLS 646417
NFM Lending · Richmond, VA · licensed in 13 states
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 23
T Patrick MooreNMLS 91608
Highlands Residential Mortgage · Wilmington, NC
- USDA loan
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- Branch in North Carolina
- No disciplinary actions on file at LenDb
- 24
Oleg TkachNMLS 90937
NFM Lending · Lynnwood, WA · licensed in 24 states
- USDA loan
- FHA loan
- Real estate investor
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 25
Dennis SullivanNMLS 170161
Southern Trust Mortgage · Annapolis, MD · licensed in 12 states
- USDA loan
- FHA loan
- VA loan
- Down payment assistance
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Property location and household income limits must both qualify, and USDA approval adds time to the closing.
- Is this address in a USDA eligible area?
- Does my household income fall under the limit for this county?
- How long does USDA approval take with you right now?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in NC or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=usda&state=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.