Loan programs · Arkansas
VA loan officers in Arkansas
As of 2026-10-09, LenDb lists 109 loan officers licensed in or based in Arkansas whose lender pages show VA loan work. The top-ranked are Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples), Charity Cummings (Guild Mortgage, Bentonville) and Erika Alves (CrossCountry Mortgage, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in AR, 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
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- VA loan
- Reverse mortgage
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 2
Charity CummingsNMLS 404245
Guild Mortgage · Bentonville, AR · licensed in 4 states
- VA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- Branch in Arkansas
- 30 years experience (stated on lender page, 2026-10-09)
- 3
Erika AlvesNMLS 659544
CrossCountry Mortgage · Tampa, FL · licensed in 4 states
- VA loan
- Construction loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 4
Scott EvansNMLS 256163
CrossCountry Mortgage · San Diego, CA · licensed in 38 states
- VA loan
- Jumbo loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 5
Justin BurrisNMLS 659024
Fairway Independent Mortgage Corporation · Raleigh, NC · licensed in 4 states
- VA loan
- First-time buyer
- FHA loan
- Reverse mortgage
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Alona HayesNMLS 180226
Guild Mortgage · Lawton, OK · licensed in 6 states
- VA loan
- Down payment assistance
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Angie TurleyNMLS 363066
Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states
- VA loan
- First-time buyer
- Self-employed
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 8
Wes BlackNMLS 2029937
Guild Mortgage · Bentonville, AR
- VA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- Branch in Arkansas
- 6 years experience (stated on lender page, 2026-10-09)
- 9
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 10
Gail HillmanNMLS 312734
CrossCountry Mortgage · Bentonville, AR · licensed in 4 states
- VA loan
- Non-QM loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- Branch in Arkansas
- 15 years experience (stated on lender page, 2026-10-09)
- 11
Jay BunteNMLS 1957808
CrossCountry Mortgage · Fort Worth, TX · licensed in 46 states
- VA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 12
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- VA loan
- FHA loan
- Non-QM loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 13
Jackson ThomasNMLS 1190420
CrossCountry Mortgage · Dallas, TX · licensed in 21 states
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 14
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- VA loan
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 15
Morgan CowleNMLS 40312
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 16
Kyrstin ZimmermannNMLS 307963
CrossCountry Mortgage · Willow Park, TX · licensed in 5 states
- VA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 17
Randy KeyNMLS 190053
Churchill Mortgage · Dallas, TX · licensed in 12 states
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 18
Adam MillerNMLS 221065
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 19
Sonia HashimiNMLS 965240
Loan Factory · Mortgage broker · licensed in 17 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 20
David KrauseNMLS 143768
Highlands Residential Mortgage · Rogers, AR · licensed in 3 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- Branch in Arkansas
- 20 years experience (stated on lender page, 2026-10-09)
- 21
Kim JonesNMLS 324221
CrossCountry Mortgage · Houston, TX · licensed in 5 states
- VA loan
- Non-QM loan
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 44 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- VA loan
- Bank statement loan
- DSCR loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 23
Yanni StefanidisNMLS 1725443
Churchill Mortgage · Irvine, CA · licensed in 16 states
- VA loan
- FHA loan
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 24
Ryan AshfordNMLS 1833458
CrossCountry Mortgage · Winter Park, FL · licensed in 5 states
- VA loan
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 25
Rainier PorrasNMLS 2751586
CrossCountry Mortgage · Fort Worth, TX · licensed in 9 states
- VA loan
- FHA loan
- First-time buyer
- HELOC
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AR (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Entitlement calculations, funding fee exemptions and VA appraisal rules reward a loan officer who closes VA loans often.
- How many VA loans have you closed in the last year?
- Can you check my remaining entitlement and funding fee status?
- How do you handle a low VA appraisal or the tidewater process?
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 AR 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=va&state=AR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.