Loan programs · West Virginia
USDA loan officers in West Virginia
As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in West Virginia whose lender pages show USDA loan work. The top-ranked are Wayne Palkovic (Embrace Home Loans, Martinsburg), Lori Jule (Atlantic Coast Mortgage, Fairfax) and Jason Fox (NFM Lending, Frederick). 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 20
- 1
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- USDA loan
- FHA loan
- Jumbo loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- Branch in West Virginia
- 43 years experience (stated on lender page, 2026-10-09)
- 2
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 WV (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 3
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 WV (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 4
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- USDA loan
- First-time buyer
- Real estate investor
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Mea DanigelisNMLS 770981
Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states
- USDA loan
- Construction loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 6
Michelle NapierNMLS 995143
CrossCountry Mortgage · Martinsburg, WV · licensed in 3 states
- USDA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- Branch in West Virginia
- 4 years licensed
- 7
Adam CrumNMLS 1787074
CrossCountry Mortgage · Martinsburg, WV · licensed in 6 states
- USDA loan
- Down payment assistance
- VA loan
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- Branch in West Virginia
- 4 years licensed
- 8
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 WV (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 9
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- USDA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 10
Dave MellottNMLS 450659
CrossCountry Mortgage · Martinsburg, WV · licensed in 4 states
- USDA loan
- VA loan
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- Branch in West Virginia
- No disciplinary actions on file at LenDb
- 11
Bryan BatesNMLS 868451
CrossCountry Mortgage · Martinsburg, WV · licensed in 3 states
- USDA loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- Branch in West Virginia
- No disciplinary actions on file at LenDb
- 12
Don RyanNMLS 455889
Southern Trust Mortgage · Frostburg, MD · licensed in 6 states
- USDA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 13
Jeffrey StemplerNMLS 171047
First Heritage Mortgage · licensed in 8 states
- USDA loan
- First-time buyer
- Real estate investor
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 14
Kelly Ann WorthingtonNMLS 1464587
CrossCountry Mortgage · Cleveland, OH · licensed in 9 states
- USDA loan
- VA loan
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 15
Jordan TaylorNMLS 1862550
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 15 states
- USDA loan
- Construction loan
- DSCR loan
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 16
Ana B. AranaNMLS 204145
Atlantic Coast Mortgage · Fairfax, VA · licensed in 5 states
- USDA loan
- FHA loan
- VA loan
- Down payment assistance
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 17
Joshua PhillipsNMLS 157670
Churchill Mortgage · Brentwood, TN · licensed in 10 states
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 18
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 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 WV (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 19
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- USDA loan
- Bank statement loan
- DSCR loan
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 20
Paula BrownNMLS 414569
First Citizens Bank · Roanoke, VA · licensed in 2 states
- USDA loan
- Construction loan
- Down payment assistance
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WV (listed on lender page, verified 2026-10-09)
- 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 WV 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=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.