--- canonical_url: https://lendb.ai/s/usda/virginia last_verified: 2026-10-09 --- # USDA loan officers in Virginia As of 2026-10-09, LenDb lists 49 loan officers licensed in or based in Virginia whose lender pages show USDA loan work. The top-ranked are Sanj Banga (TowneBank Mortgage, Glen Allen), Don Waters (Fairway Independent Mortgage Corporation, Clayton) and Jason Inglish (ALCOVA Mortgage, Cumberland). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Sanj Banga](https://lendb.ai/lo/sanj-banga-182553)** (NMLS 182553), TowneBank Mortgage, Glen Allen, VA - Lists USDA loan on lender page (lender page, verified 2026-10-09) - Office in Glen Allen, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 25 years of experience (lender page, 2026-10-09) 2. **[Don Waters](https://lendb.ai/lo/donald-waters-82361)** (NMLS 82361), Fairway Independent Mortgage Corporation, Clayton, NC - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 5. **[Wayne Palkovic](https://lendb.ai/lo/wayne-palkovic-201581)** (NMLS 201581), Embrace Home Loans, Martinsburg, WV - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 43 years of experience (lender page, 2026-10-09) 6. **[Mark Davison](https://lendb.ai/lo/mark-davison-155629)** (NMLS 155629), CrossCountry Mortgage, Virginia Beach, VA - Lists USDA loan on lender page (lender page, verified 2026-10-09) - Office in Virginia Beach, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 7. **[Amy Goss](https://lendb.ai/lo/amy-goss-194181)** (NMLS 194181), Guild Mortgage, Jacksonville, NC - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 8. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 9. **[John Schmidlin](https://lendb.ai/lo/john-schmidlin-69847)** (NMLS 69847), Guild Mortgage, High Point, NC - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 29 years of experience (lender page, 2026-10-09) 10. **[Erin Johnson](https://lendb.ai/lo/erin-johnson-215208)** (NMLS 215208), First Home Mortgage, La Plata, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 11. **[Matt Mieras](https://lendb.ai/lo/matthew-mieras-245686)** (NMLS 245686), Guild Mortgage, Charleston, SC - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 12. **[Chad Vogel](https://lendb.ai/lo/chad-vogel-461953)** (NMLS 461953), Guild Mortgage, Columbia, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 13. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 14. **[Jason Nader](https://lendb.ai/lo/jason-nader-313085)** (NMLS 313085), First Home Mortgage, Annapolis, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 16. **[Amy Altenburg](https://lendb.ai/lo/amy-altenburg-820600)** (NMLS 820600), Southern Trust Mortgage, Annapolis, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Chris Norwood](https://lendb.ai/lo/chris-norwood-248771)** (NMLS 248771), TowneBank Mortgage, Chesterfield, VA - Lists USDA loan on lender page (lender page, verified 2026-10-09) - Office in Chesterfield, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Haley Hoyt](https://lendb.ai/lo/haley-hoyt-1832547)** (NMLS 1832547), First Home Mortgage, Dunkirk, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 19. **[Brad Zerbe](https://lendb.ai/lo/bradley-zerbe-161236)** (NMLS 161236), NFM Lending, Haddonfield, NJ - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 20. **[Chase Cusack](https://lendb.ai/lo/chase-cusack-1288538)** (NMLS 1288538), First Home Mortgage, Annapolis, MD - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Samuel Timlick](https://lendb.ai/lo/samuel-timlick-2776469)** (NMLS 2776469), NFM Lending, Johnson City, TN - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Gregory Michael West](https://lendb.ai/lo/gregory-michael-west-1447959)** (NMLS 1447959), Loan Factory - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 23. **[Michelle Napier](https://lendb.ai/lo/michelle-napier-995143)** (NMLS 995143), CrossCountry Mortgage, Martinsburg, WV - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 24. **[Brian Davis](https://lendb.ai/lo/brian-davis-234157)** (NMLS 234157), CrossCountry Mortgage, Cleveland, OH - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 25. **[George Harsh](https://lendb.ai/lo/george-harsh-237004)** (NMLS 237004), CrossCountry Mortgage, Houston, TX - Lists USDA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/usda/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._