---
canonical_url: https://lendb.ai/lo/jamie-perfilio-945664
json_url: https://lendb.ai/lo/jamie-perfilio-945664.json
nmls_id: 945664
last_verified: 2026-10-09
---

# James Perfilio

Loan Officer at Churchill Mortgage, Brentwood, TN. NMLS ID 945664 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/945664)).

**Summary:** James Perfilio (NMLS 945664) is Loan Officer at Churchill Mortgage, based in Brentwood, TN. Licensed in Florida, confirmed with the state regulator (license LO82138). Also lists California, Georgia and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, Jumbo loan, Non-QM loan, Self-employed and VA loan. Earliest state license record: February 17, 2021 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 17, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://www.churchillmortgage.com/loan-officers/james-perfilio, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Georgia (GA, lender_reported), Tennessee (TN, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio
- **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio
- **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio

## About

James has over 25 years of mortgage experience specializing in non-QM, FHA, VA, and jumbo loans. He works extensively with first-time buyers and self-employed borrowers, providing creative financing solutions.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio, verified 2026-10-09.
- community: Mentors men through a local Nashville foundation, encouraging belief in better life. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO82138 | active | confirmed | 2021-02-17 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Churchill Mortgage (NMLS 1591), Brentwood, TN. Source: https://www.churchillmortgage.com/loan-officers/james-perfilio, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/945664

## Contact

- View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/james-perfilio
- Office phone and Email on file: shown at https://lendb.ai/lo/jamie-perfilio-945664#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/945664
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.churchillmortgage.com/loan-officers/james-perfilio

Cite as: James Perfilio (NMLS 945664), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/jamie-perfilio-945664, last verified 2026-10-09.

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