---
canonical_url: https://lendb.ai/s/1099-income/tennessee
last_verified: 2026-10-09
---

# Loan officers for 1099 earners in Tennessee

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Tennessee whose lender pages show 1099 income work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress) and Kirk Taylor (CrossCountry Mortgage, Naples). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2014 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)

## Questions to ask

- Can you qualify me from my 1099 forms alone?
- How many years of 1099 history do you need?
- How do business expenses affect my qualifying income?

Cite as: LenDb.ai, https://lendb.ai/s/1099-income/tennessee.

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