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Loan programs · New Mexico

VA loan officers in New Mexico

As of 2026-10-09, LenDb lists 88 loan officers licensed in or based in New Mexico whose lender pages show VA loan work. The top-ranked are Brenda Gonzales (Guild Mortgage, Albuquerque), Ken Smith (Churchill Mortgage, Colorado Springs) and Rachelle Coffey (Homeowners Financial Group, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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. 1

    Brenda GonzalesNMLS 2638408

    Guild Mortgage · Albuquerque, NM

    • VA loan
    • FHA loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • Branch in New Mexico
    • 25 years experience (stated on lender page, 2026-10-09)
  2. 2

    Ken SmithNMLS 71162

    Churchill Mortgage · Colorado Springs, CO · licensed in 6 states

    • VA loan
    • FHA loan
    • Reverse mortgage
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 23 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Rachelle CoffeyNMLS 203664

    Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states

    • VA loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    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 NM (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    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 NM (listed on lender page, verified 2026-10-09)
    • 13 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Darik TolnayNMLS 521445

    CrossCountry Mortgage · Lakewood, CO · licensed in 8 states

    • VA loan
    • FHA loan
    • Jumbo loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 15 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Lenae VandegriftNMLS 649456

    American Pacific Mortgage · Thornton, CO · licensed in 10 states

    • VA loan
    • Condo
    • FHA loan
    • First-time buyer
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    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 NM (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Heidi ValleNMLS 227744

    Guild Mortgage · Albuquerque, NM

    • VA loan
    • First-time buyer
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • Branch in New Mexico
    • No disciplinary actions on file at LenDb
  10. 10

    Davin JacquezNMLS 1198423

    Guild Mortgage · Farmington, NM · licensed in 3 states

    • VA loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • Branch in New Mexico
    • No disciplinary actions on file at LenDb
  11. 11

    Timothy McGintyNMLS 1443050

    LeaderOne Financial · Oak Brook, IL · licensed in 13 states

    • VA loan
    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Jay GarvensNMLS 368259

    Churchill Mortgage · Colorado Springs, CO · licensed in 11 states

    • VA loan
    • FHA loan
    • First-time buyer
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Matt ShinerNMLS 1260521

    NFM Lending · Tempe, AZ · licensed in 9 states

    • VA loan
    • FHA loan
    • Jumbo loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    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 NM (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Brandon HansenNMLS 283559

    Guild Mortgage · Toquerville, UT · licensed in 11 states

    • VA loan
    • Asset-based qualifying
    • Real estate investor
    • Reverse mortgage
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    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 NM (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    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 NM (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Mark VillanoNMLS 1306487

    CrossCountry Mortgage · Lakewood, WA · licensed in 29 states

    • VA loan
    • Jumbo loan
    • Real estate investor
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Ryne BernalNMLS 2052424

    Churchill Mortgage · Allen, TX · licensed in 5 states

    • VA loan
    • FHA loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 5 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  20. 20

    Chris HodgesNMLS 1146098

    American Pacific Mortgage · Greenwood Village, CO · licensed in 17 states

    • VA loan
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Lisa CummingsNMLS 199679

    Fairway Independent Mortgage Corporation · Albuquerque, NM · licensed in 3 states

    • VA loan
    • First-time buyer
    • New construction
    • Self-employed
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • Branch in New Mexico
    • No disciplinary actions on file at LenDb
  22. 22

    Bruce GibsonNMLS 501286

    Xpert Home Lending · licensed in 3 states

    • VA loan
    • FHA loan
    • HELOC
    • Real estate investor
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Josh SurverNMLS 2459945

    Xpert Home Lending · licensed in 26 states

    • VA loan
    • Real estate investor
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Josh PenlandNMLS 216357

    Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states

    • VA loan
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Sandy JohnsonNMLS 217386

    Guild Mortgage · El Paso, TX · licensed in 2 states

    • VA loan
    • FHA loan
    • First-time buyer
    • Lists VA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NM (listed on lender page, verified 2026-10-09)
    • 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?

More about VA loan

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 NM 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=NM. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.