---
canonical_url: https://lendb.ai/s/usda/west-virginia
last_verified: 2026-10-09
---

# USDA loan officers in West Virginia

As of 2026-10-09, LenDb lists 11 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), Jason Inglish (ALCOVA Mortgage, Cumberland) and Michelle Napier (CrossCountry Mortgage, Martinsburg). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - Office in Martinsburg, WV
   - WV 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)
2. **[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)
   - WV 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)
3. **[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)
   - Office in Martinsburg, WV
   - WV 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)
4. **[Joshua Phillips](https://lendb.ai/lo/joshua-phillips-157670)** (NMLS 157670), Churchill Mortgage, Brentwood, TN
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
5. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
6. **[Adam Crum](https://lendb.ai/lo/adam-crum-1787074)** (NMLS 1787074), CrossCountry Mortgage, Martinsburg, WV
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
7. **[Kelly Ann Worthington](https://lendb.ai/lo/kelly-worthington-1464587)** (NMLS 1464587), CrossCountry Mortgage, Cleveland, OH
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
8. **[Dave Mellott](https://lendb.ai/lo/dave-mellott-450659)** (NMLS 450659), CrossCountry Mortgage, Martinsburg, WV
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
9. **[Bryan Bates](https://lendb.ai/lo/bryan-bates-868451)** (NMLS 868451), CrossCountry Mortgage, Martinsburg, WV
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
10. **[Jordan Taylor](https://lendb.ai/lo/jordan-taylor-1862550)** (NMLS 1862550), Fairway Independent Mortgage Corporation, Fredericksburg, VA
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
11. **[Susan Simmons](https://lendb.ai/lo/susan-simmons-1644779)** (NMLS 1644779), First Citizens Bank, Roanoke, VA
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/west-virginia.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._