Richie Duncan, Top Rated® National Banker with Community 1st National Bank, and owner of,,,,,, and

Richie Duncan

Top Rated® National Banker & Team Manager

NMLS ID# 147381

James (call him “Richie”) Duncan is the Team Leader, and one of our highest producing Top Rated® National Bankers.

With over 22 years of experience as a broker, branch manager and banker serving homeowners in all 50 states, Richie goes the distance with a “can-do” attitude, pushing your loan forward when others have given up.

Richie has run brokerage operations with over 100 employees, created millionaire loan officers, helped close over $1 billion in loan volume, and instructed sales teams in the development of streamlined mortgage operations currently in use within successful billion dollar mortgage operations, while consistently being within the top 10% of loan originators in the country.

As an expert in every facet of home loans, Richie packs his day full by helping his team grow, his clients obtain the best loan possible and bringing forward the latest and greatest loan programs to Magnolia Bank for his clients.

Richie leads our One-Time Close Construction division, our VA loan division, our Manufactured Home division, and our most popular home renovation division. A real expert in Conventional, FHA, USDA and VA programs, he knows how to structure unique property types in the residential mortgage industry.

He’s the guy you MUST know, the man who is going to find a solution for you to accomplish your goals as he is in it for the long haul with you.

Richie is known and referred to around the country as a top producing mortgage expert able to create success for those who may have been previously turned down or fed up with their last lending experience.

Richie is goal and customer oriented, and he will make you laugh, keep you fully educated and informed during every step of the process.

Combined with his Chief Product Specialist Saif Kovach, Executive Assistant, Kelly McDaniel, and New Client Consultant, Bert Mushlin, they’ll be sure to cross every “T” and dot every “I” so that you have a smooth, enjoyable, and rewarding experience.

Richie loves spending time at his beautiful home with his wife Chanda and his 11-year-old son Alistair, and his 6-year-old sister Amrbielle.

Richie believes that a power crushing, daily, hour-long gym session, and healthy family life allows him the drive and the energy to make his career a real passion.

He looks forward to helping each client achieve their specific mortgage goals, delivering a 5-star service every time, and ensuring your loan process provides a clear understanding every step of the way.

Whether you are looking to Build, Buy, Refi or Renovate, feel free to reach out to Richie by text, phone, or email, and he is sure to respond as soon as he frees up, seven days a week!