---
canonical_url: https://lendb.ai/s/bank-statement/tennessee
last_verified: 2026-10-09
---

# Bank statement loan officers in Tennessee

As of 2026-10-09, LenDb lists 22 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), Eric Rosemary (CrossCountry Mortgage, Boca Raton) 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 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. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL
   - 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
3. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL
   - 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
4. **[Hunter Strayhorn](https://lendb.ai/lo/hunter-strayhorn-1778160)** (NMLS 1778160), CrossCountry Mortgage, Johnson City, TN
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - Licensed in TN (listed on lender page, verified 2026-10-09)
   - Branch in Tennessee
   - No disciplinary actions on file at LenDb
5. **[John Nguyen](https://lendb.ai/lo/john-nguyen-389742)** (NMLS 389742), Guild Mortgage, Boca Raton, FL
   - 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
6. **[Rajat Jetley](https://lendb.ai/lo/rajat-jetley-1595897)** (NMLS 1595897), CrossCountry Mortgage, San Juan Capistrano, CA
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - Licensed in TN (listed on lender page, verified 2026-10-09)
   - 2 years licensed
   - No disciplinary actions on file at LenDb
7. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX
   - 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
8. **[James Deal](https://lendb.ai/lo/james-deal-461209)** (NMLS 461209), Homeowners Financial Group, Atlanta, GA
   - 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
9. **[Kayla Chase](https://lendb.ai/lo/kayla-chase-145990)** (NMLS 145990), Lit Financial Corporation
   - 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. **[Tom Cullen](https://lendb.ai/lo/thomas-cullen-459668)** (NMLS 459668), Princeton Mortgage
   - 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
11. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending
   - 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
12. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending
   - 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
13. **[Henry Do](https://lendb.ai/lo/henry-do-1863960)** (NMLS 1863960), Lit Financial Corporation
   - 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
14. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD
   - 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
15. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - 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
16. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA
   - 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
17. **[Trisha Cooper](https://lendb.ai/lo/patricia-cooper-1965251)** (NMLS 1965251), ALCOVA Mortgage, Chantilly, VA
   - 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
18. **[Tyler Frantangelo](https://lendb.ai/lo/tyler-frantangelo-1211919)** (NMLS 1211919), Lit Financial Corporation
   - 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
19. **[Kane Navarro](https://lendb.ai/lo/matthew-navarro-1705907)** (NMLS 1705907), Xpert Home Lending
   - 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
20. **[John Kladis](https://lendb.ai/lo/john-kladis-2324532)** (NMLS 2324532), Loan Factory
   - 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
21. **[Matthew Hager](https://lendb.ai/lo/matthew-hager-1906682)** (NMLS 1906682), Xpert Home Lending
   - 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
22. **[Ravi K Bansal](https://lendb.ai/lo/ravi-k-bansal-2840451)** (NMLS 2840451), Loan Factory, Seattle, WA
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/bank-statement/tennessee.

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