Loan programs · Tennessee
Bank statement loan officers in Tennessee
As of 2026-10-09, LenDb lists 21 loan officers licensed in or based in Tennessee whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), John Nguyen (Guild Mortgage, Boca Raton) and Eric Rosemary (CrossCountry Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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 21
- 1
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Bank statement loan
- 1099 income
- Self-employed
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
John NguyenNMLS 389742
Guild Mortgage · Boca Raton, FL · licensed in 21 states
- Bank statement loan
- 1099 income
- DSCR loan
- Non-QM loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 3
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- Foreign national
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 4
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Bank statement loan
- 1099 income
- DSCR loan
- Self-employed
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 5
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- Real estate investor
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 6
James DealNMLS 461209
Homeowners Financial Group · Atlanta, GA · licensed in 5 states
- Bank statement loan
- FHA loan
- Foreign national
- Jumbo loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 7
Tom CullenNMLS 459668
Princeton Mortgage · licensed in 5 states
- Bank statement loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- DSCR loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Jim BrettlNMLS 455400
Xpert Home Lending · licensed in 13 states
- Bank statement loan
- DSCR loan
- HELOC
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Kayla ChaseNMLS 145990
Lit Financial Corporation · licensed in 11 states
- Bank statement loan
- Condo
- Jumbo loan
- HELOC
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 10
Sam BromleyNMLS 1151654
Xpert Home Lending · licensed in 10 states
- Bank statement loan
- VA loan
- Real estate investor
- Asset-based qualifying
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 11
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Bank statement loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 12
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 13
Trisha CooperNMLS 1965251
ALCOVA Mortgage · Chantilly, VA · licensed in 3 states
- Bank statement loan
- First-time buyer
- Real estate investor
- Self-employed
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 14
Kane NavarroNMLS 1705907
Xpert Home Lending · licensed in 5 states
- Bank statement loan
- VA loan
- Asset-based qualifying
- Down payment assistance
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 15
Henry DoNMLS 1863960
Lit Financial Corporation · licensed in 7 states
- Bank statement loan
- Condo
- DSCR loan
- Jumbo loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 16
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Bank statement loan
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 17
John KladisNMLS 2324532
Loan Factory · licensed in 5 states
- Bank statement loan
- 1099 income
- Construction loan
- DSCR loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 18
Matthew HagerNMLS 1906682
Xpert Home Lending · licensed in 4 states
- Bank statement loan
- Asset-based qualifying
- Down payment assistance
- FHA loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Ravi K BansalNMLS 2840451
Loan Factory · Seattle, WA · licensed in 19 states
- Bank statement loan
- Real estate investor
- Asset-based qualifying
- Construction loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 20
Tyler FrantangeloNMLS 1211919
Lit Financial Corporation · licensed in 8 states
- Bank statement loan
- Condo
- DSCR loan
- Jumbo loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 21
Hunter StrayhornNMLS 1778160
CrossCountry Mortgage · Johnson City, TN
- Bank statement loan
- Construction loan
- Down payment assistance
- DSCR loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Branch in Tennessee; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
Before you choose
Expense factors and deposit analysis vary, so the same statements can qualify for very different amounts.
- Do you use personal or business statements, and what expense factor?
- How do you treat large or irregular deposits?
- How does pricing compare with a full documentation 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 TN 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=bank-statement&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.