{ "canonical_url": "https://lendb.ai/lang/es/tennessee", "summary": "As of 2026-10-26, LenDb lists 36 loan officers licensed in or based in Tennessee whose lender pages say they speak Spanish. The top-ranked are Tim Simko (Loan Factory), Andi Bernal (Churchill Mortgage, Brentwood) and Jonathan Salinas (CrossCountry Mortgage, Memphis). Ranking is lender-neutral: a license in TN, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "TN", "total": 36, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 41.8, "loan_officer": { "nmls_id": 269367, "slug": "timothy-simko-269367", "full_name": "Tim Simko", "licensed_names": [ { "name": "Timothy Simko", "name_with_middle_initial": "Timothy J. Simko", "first_name": "Timothy", "middle_initial": "J", "last_name": "Simko", "states": [ "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/timothy-simko-269367", "json_url": "https://lendb.ai/lo/timothy-simko-269367.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "TN" }, "headshot_url": "https://lh3.googleusercontent.com/EaSjXs1lUEKwtkUT24DNq3fshcR8UExFaTnFL1FHqiRNo9I5OWCGdpMWt2aknk1IHJtV19WQ_kwZ10qSy4btoHoGBPjXMT783rxC", "licensed_states": [ "FL", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2000-02-11", "state": "TX" }, "licensed_since": { "year": 2000, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tim-simko-269367", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Tennessee", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 11, 2000 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/timothy-simko-269367", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/tim-simko-269367" } }, { "rank": 2, "score": 34.8, "loan_officer": { "nmls_id": 2118002, "slug": "andi-bernal-2118002", "full_name": "Andi Bernal", "canonical_url": "https://lendb.ai/lo/andi-bernal-2118002", "json_url": "https://lendb.ai/lo/andi-bernal-2118002.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "slug": "churchill-mortgage-1591", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Brentwood", "state": "TN" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Andi%20Bernal%20(1)-1.jpeg", "licensed_states": [ "GA", "IN", "NC", "TN" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "multi-family-2-4", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-04-19", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/andi-bernal", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Brentwood, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 19, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/andi-bernal-2118002", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.churchillmortgage.com/loan-officers/andi-bernal" } }, { "rank": 3, "score": 34.8, "loan_officer": { "nmls_id": 2451140, "slug": "jonathan-salinas-2451140", "full_name": "Jonathan Salinas", "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140", "json_url": "https://lendb.ai/lo/jonathan-salinas-2451140.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Memphis", "state": "TN" }, "headshot_url": "https://thevault.ccm.com/m/15b633e613ccfe59/Website-3590_Salinas_2451140.jpg", "licensed_states": [ "CO", "AR", "IL", "MI", "MS", "TN" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "fha", "heloc", "jumbo", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-01-24", "state": "IL" }, "licensed_since": { "year": 2023, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Memphis, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 24, 2023 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/" } }, { "rank": 4, "score": 33.3, "loan_officer": { "nmls_id": 206531, "slug": "jorge-posada-206531", "full_name": "Jorge Posada", "licensed_names": [ { "name": "Jorge Posada", "name_with_middle_initial": "Jorge F. Posada", "first_name": "Jorge", "middle_initial": "F", "last_name": "Posada", "states": [ "FL", "MD", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/jorge-posada-206531", "json_url": "https://lendb.ai/lo/jorge-posada-206531.json", "lender": { "nmls_id": 113054, "name": "The Mortgage Link, Inc.", "slug": "the-mortgage-link-inc-113054", "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054", "type": "imb" }, "branch": { "city": "Rockville", "state": "MD" }, "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Jorge%20Posada.png", "licensed_states": [ "FL", "TX", "PA", "DC", "MD", "NC", "TN", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-05-31", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jorge-posada", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 31, 2018 (Florida), per state regulator", "States 21 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/jorge-posada-206531", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.themortgagelink.com/loan-officer/jorge-posada" } }, { "rank": 5, "score": 33.3, "loan_officer": { "nmls_id": 310820, "slug": "john-harrison-310820", "full_name": "John Harrison", "licensed_names": [ { "name": "John Harrison", "name_with_middle_initial": "John A. Harrison", "first_name": "John", "middle_initial": "A", "last_name": "Harrison", "states": [ "FL", "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/john-harrison-310820", "json_url": "https://lendb.ai/lo/john-harrison-310820.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Murray", "state": "UT" }, "headshot_url": "https://a.mktgcdn.com/p/wVyuj6ORkIh64514jj-2iiuDlcYYK4kQQMwNvWELuOw/191x275.jpg", "licensed_states": [ "FL", "AK", "ID", "MD", "NC", "TN", "UT", "VA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-06-03", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 29, "lender_profile_url": "https://www.grarate.com/loan-officers/john-harrison-310820", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 3, 2026 (Florida), per state regulator", "States 29 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/john-harrison-310820", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.grarate.com/loan-officers/john-harrison-310820" } }, { "rank": 6, "score": 33.3, "loan_officer": { "nmls_id": 1280113, "slug": "jaime-dejesus-1280113", "full_name": "Jaime Dejesus", "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113", "json_url": "https://lendb.ai/lo/jaime-dejesus-1280113.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Grand Prairie", "state": "TX" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_5866_Jaime_Dejesus_1791468076", "licensed_states": [ "FL", "CO", "LA", "TX", "AL", "AR", "CA", "IA", "KS", "KY", "MD", "MT", "OK", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-02-10", "state": "TX" }, "licensed_since": { "year": 2018, "state": "TX" }, "years_experience": 25, "lender_profile_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 10, 2018 (Texas), per state regulator", "States 25 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus" } }, { "rank": 7, "score": 33.3, "loan_officer": { "nmls_id": 1398321, "slug": "christina-mccollum-1398321", "full_name": "Christina McCollum", "licensed_names": [ { "name": "Christina McCollum", "name_with_middle_initial": "Christina R. McCollum", "first_name": "Christina", "middle_initial": "R", "last_name": "McCollum", "states": [ "CA", "FL", "MA", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321", "json_url": "https://lendb.ai/lo/christina-mccollum-1398321.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "slug": "churchill-mortgage-1591", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Kennewick", "state": "WA" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Christina%20McCollum3.jpeg", "licensed_states": [ "FL", "MO", "TX", "AK", "AL", "AZ", "CA", "GA", "ID", "IL", "MA", "MI", "MT", "NC", "NE", "OH", "OR", "SC", "TN", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "multi-family-2-4", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-02-06", "state": "OR" }, "licensed_since": { "year": 2017, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 6, 2017 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum" } }, { "rank": 8, "score": 32.8, "loan_officer": { "nmls_id": 1580286, "slug": "sucy-nieves-perry-1580286", "full_name": "Sucy Nieves-Perry", "canonical_url": "https://lendb.ai/lo/sucy-nieves-perry-1580286", "json_url": "https://lendb.ai/lo/sucy-nieves-perry-1580286.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "slug": "churchill-mortgage-1591", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Brentwood", "state": "TN" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Sucy%20Nieves-%20Perry.jpeg", "licensed_states": [ "CA", "FL", "GA", "TN" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "multi-family-2-4", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/sucy-nieves", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Brentwood, TN", "TN listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/lucia-wester-pacheco-2540341", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/chattanooga-tn-4386/lucia-wester-pacheco/" } }, { "rank": 10, "score": 32.5, "loan_officer": { "nmls_id": 1988813, "slug": "edgar-ibarra-1988813", "full_name": "Edgar Ibarra", "licensed_names": [ { "name": "Edgar Ibarra", "name_with_middle_initial": "Edgar C. 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Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-21", "source_url": null } }, { "rank": 14, "score": 30, "loan_officer": { "nmls_id": 209052, "slug": "david-rodriguez-209052", "full_name": "David Rodriguez", "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052", "json_url": "https://lendb.ai/lo/david-rodriguez-209052.json", "lender": { "nmls_id": 208516, "name": "Integrity Home Mortgage Corporation", "slug": "integrity-home-mortgage-corporation-208516", "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516", "type": "imb" }, "branch": { "city": "Jersey Village", "state": "TX" }, "headshot_url": null, "licensed_states": [ "TX", "AL", "AR", "CO", "DC", "DE", "FL", "GA", "IA", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "OH", "OK", "PA", "RI", "SC", "TN", "UT", "VA", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-09-02", "state": "TX" }, "licensed_since": { "year": 2010, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://ihmcloans.com/david-rodriguez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 2, 2010 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://ihmcloans.com/david-rodriguez/" } }, { "rank": 15, "score": 30, "loan_officer": { "nmls_id": 2005551, "slug": "cinthia-leon-2005551", "full_name": "Cinthia Leon", "canonical_url": "https://lendb.ai/lo/cinthia-leon-2005551", "json_url": "https://lendb.ai/lo/cinthia-leon-2005551.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Gallatin", "state": "TN" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/42D07F71-7801-414B-BF7F-52C4419C5FCB.png", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgage.bankofamerica.com/cinthia-leon2", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Gallatin, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/cinthia-leon-2005551", "license_check": { "state": "TN", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 16, "score": 28, "loan_officer": { "nmls_id": 516256, "slug": "miguel-fernandez-516256", "full_name": "Mike Fernandez", "canonical_url": "https://lendb.ai/lo/miguel-fernandez-516256", "json_url": "https://lendb.ai/lo/miguel-fernandez-516256.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Gilbert", "state": "AZ" }, "headshot_url": "https://d3i17xsp2ml938.cloudfront.net/sso/PpncWhEZ6ckoEtnfd20VGVtYm0XWsEXgV8MpOBAF.png", "licensed_states": [ "FL", "GA", "TN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2017-11-15", "state": "FL" }, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/mike-fernandez", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 15, 2017 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/miguel-fernandez-516256", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.barrettfinancial.com/mike-fernandez" } }, { "rank": 17, "score": 27.8, "loan_officer": { "nmls_id": 452242, "slug": "sergio-gomez-montoya-452242", "full_name": "Sergio Gomez", "licensed_names": [ { "name": "Sergio Gomez Montoya", "name_with_middle_initial": null, "first_name": "Sergio", "middle_initial": null, "last_name": "Gomez Montoya", "states": [ "FL", "IL" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/sergio-gomez-montoya-452242", "json_url": "https://lendb.ai/lo/sergio-gomez-montoya-452242.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Portage", "state": "MI" }, "headshot_url": "https://thevault.ccm.com/asset/9710d101-5f2b-4eac-a0fb-10f0d8afdde7/Website/4686_Gomez_452242.jpg", "licensed_states": [ "FL", "IL", "IN", "MI", "TN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-02-27", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/portage-mi-4686/sergio-gomez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 27, 2026 (Florida), per state regulator", "States 10 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/sergio-gomez-montoya-452242", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/portage-mi-4686/sergio-gomez/" } }, { "rank": 18, "score": 27.8, "loan_officer": { "nmls_id": 1216034, "slug": "david-demarchena-1216034", "full_name": "David Demarchena", "licensed_names": [ { "name": "David Demarchena", "name_with_middle_initial": "David A. 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verify at NMLS)", "Earliest state license record: July 20, 2017 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/antonio-bardawil-1638874", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/cleveland-oh-4467/antonio-bardawil/" } }, { "rank": 20, "score": 26.5, "loan_officer": { "nmls_id": 1021326, "slug": "aaron-parks-1021326", "full_name": "Chris Parks", "canonical_url": "https://lendb.ai/lo/aaron-parks-1021326", "json_url": "https://lendb.ai/lo/aaron-parks-1021326.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "slug": "churchill-mortgage-1591", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Glen Allen", "state": "VA" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/chris-parks-headshot.png", "licensed_states": [ "FL", "AL", "IN", "MD", "TN", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "multi-family-2-4", "non-qm", "physician", "renovation", "reverse", "rural", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-08-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chris-parks", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "TN listed on their lender page (not yet checked with the state regulator; 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