{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/tennessee", "summary": "As of 2026-10-10, LenDb lists 74 loan officers licensed in or based in Tennessee whose lender pages show Down payment assistance work. The top-ranked are Michelle Greenwalt (First Home Mortgage, Millersville), Kellie Buchanan (Highlands Residential Mortgage, Angel Fire) and Laura Mullen (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "down-payment-assistance", "state": "TN", "total": 74, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 267729, "slug": "michelle-greenwalt-267729", "full_name": "Michelle Greenwalt", "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "json_url": "https://lendb.ai/lo/michelle-greenwalt-267729.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Millersville", "state": "MD" }, "licensed_states": [ "FL", "PA", "DC", "DE", "GA", "MD", "NC", "TN", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://firsthome.com/loan-officers/michelle-greenwalt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "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://firsthome.com/loan-officers/michelle-greenwalt/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59, "loan_officer": { "nmls_id": 744052, "slug": "kellie-buchanan-744052", "full_name": "Kellie Buchanan", "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Angel Fire", "state": "NM" }, "licensed_states": [ "FL", "CO", "NM", "OK", "TN", "TX" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": 34, "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2019 (per Colorado records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "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.highlandsmortgage.com/agents/kellie-buchanan/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 58.8, "loan_officer": { "nmls_id": 500688, "slug": "laura-mullen-500688", "full_name": "Laura Mullen", "canonical_url": "https://lendb.ai/lo/laura-mullen-500688", "json_url": "https://lendb.ai/lo/laura-mullen-500688.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IN", "KY", "TN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/LauraMullen", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2023 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/laura-mullen-500688", "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.ruoff.com/LauraMullen" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 57.8, "loan_officer": { "nmls_id": 256016, "slug": "nancy-herrera-256016", "full_name": "Nancy Siples", "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "json_url": "https://lendb.ai/lo/nancy-herrera-256016.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Riverside", "state": "CA" }, "licensed_states": [ "AZ", "CA", "ID", "TN" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "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://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 900020, "slug": "beth-dodgins-900020", "full_name": "Beth Dodgins", "canonical_url": "https://lendb.ai/lo/beth-dodgins-900020", "json_url": "https://lendb.ai/lo/beth-dodgins-900020.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dickson", "state": "TN" }, "licensed_states": [ "TN" ], "licenses": [ { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 24, "lender_profile_url": "https://crosscountrymortgage.com/dickson-tn-4277/jona-dodgins/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Dickson, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/beth-dodgins-900020", "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://crosscountrymortgage.com/dickson-tn-4277/jona-dodgins/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 54.5, "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", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Memphis", "state": "TN" }, "licensed_states": [ "AR", "CO", "IL", "MI", "MS", "TN" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "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" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Memphis, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)" ], "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": "2026-10-09", "source_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 69847, "slug": "john-schmidlin-69847", "full_name": "John Schmidlin", "canonical_url": "https://lendb.ai/lo/john-schmidlin-69847", "json_url": "https://lendb.ai/lo/john-schmidlin-69847.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "High Point", "state": "NC" }, "licensed_states": [ "NC", "TN", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 29, "lender_profile_url": "https://branches.guildmortgage.com/nc/highpoint/john-schmidlin-645-chjsch.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 29 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-schmidlin-69847", "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://branches.guildmortgage.com/nc/highpoint/john-schmidlin-645-chjsch.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 90634, "slug": "dennis-hendricks-90634", "full_name": "Erin Hendricks", "canonical_url": "https://lendb.ai/lo/dennis-hendricks-90634", "json_url": "https://lendb.ai/lo/dennis-hendricks-90634.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "ID", "IL", "KS", "ME", "MN", "MT", "NM", "NV", "OH", "OR", "PA", "TN", "TX", "UT", "VA", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dennis-hendricks-90634", "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.intercaplending.com/loan-officer/erin-hendricks/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 198179, "slug": "anna-mccaghren-wilson-198179", "full_name": "Anna McCaghren Wilson", "canonical_url": "https://lendb.ai/lo/anna-mccaghren-wilson-198179", "json_url": "https://lendb.ai/lo/anna-mccaghren-wilson-198179.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Decatur", "state": "AL" }, "licensed_states": [ "AL", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 43, "lender_profile_url": "https://crosscountrymortgage.com/decatur-al-4466/anna-wilson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 43 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/anna-mccaghren-wilson-198179", "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://crosscountrymortgage.com/decatur-al-4466/anna-wilson/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 210839, "slug": "jason-smith-210839", "full_name": "Jason Smith", "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "json_url": "https://lendb.ai/lo/jason-smith-210839.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AK", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "MO", "NE", "NM", "NV", "OK", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2018 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/monica-centeno-1100009", "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://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 49.8, "loan_officer": { "nmls_id": 1901745, "slug": "kim-fernandez-1901745", "full_name": "Kim Fernandez", "canonical_url": "https://lendb.ai/lo/kim-fernandez-1901745", "json_url": "https://lendb.ai/lo/kim-fernandez-1901745.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "licensed_states": [ "AZ", "CA", "NV", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nv/lasvegas/kim-fernandez-397-vgkf.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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)" ], "canonical_url": "https://lendb.ai/lo/kim-fernandez-1901745", "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://branches.guildmortgage.com/nv/lasvegas/kim-fernandez-397-vgkf.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 49.3, "loan_officer": { "nmls_id": 369541, "slug": "david-bailey-369541", "full_name": "David K Bailey", "canonical_url": "https://lendb.ai/lo/david-bailey-369541", "json_url": "https://lendb.ai/lo/david-bailey-369541.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "CA", "GA", "MI", "NV", "TN", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/david-k-bailey-369541", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2024 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/david-bailey-369541", "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/david-k-bailey-369541" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 48.5, "loan_officer": { "nmls_id": 192878, "slug": "alexander-margulis-192878", "full_name": "Alex Margulis", "canonical_url": "https://lendb.ai/lo/alexander-margulis-192878", "json_url": "https://lendb.ai/lo/alexander-margulis-192878.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "CT", "DC", "GA", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MO", "NJ", "NV", "OH", "OR", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "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": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "ru" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7101/alexander-margulis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2013 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/alexander-margulis-192878", "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://crosscountrymortgage.com/chicago-il-7101/alexander-margulis/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 48.5, "loan_officer": { "nmls_id": 2016609, "slug": "blake-k-deaton-2016609", "full_name": "Blake K Deaton", "canonical_url": "https://lendb.ai/lo/blake-k-deaton-2016609", "json_url": "https://lendb.ai/lo/blake-k-deaton-2016609.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Germantown", "state": "TN" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/tn/germantown/7708-poplar-ave-hla-2016609", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Germantown, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/blake-k-deaton-2016609", "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": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 46.8, "loan_officer": { "nmls_id": 389920, "slug": "jordan-donolow-389920", "full_name": "Jordan Donolow", "canonical_url": "https://lendb.ai/lo/jordan-donolow-389920", "json_url": "https://lendb.ai/lo/jordan-donolow-389920.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "DC", "ID", "IL", "MD", "MT", "NJ", "OR", "PA", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/jordan-donolow/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2021 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jordan-donolow-389920", "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://crosscountrymortgage.com/newport-beach-ca-8067/jordan-donolow/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 46.8, "loan_officer": { "nmls_id": 1035668, "slug": "brittany-kuchelmeister-1035668", "full_name": "Brittany Kuchelmeister", "canonical_url": "https://lendb.ai/lo/brittany-kuchelmeister-1035668", "json_url": "https://lendb.ai/lo/brittany-kuchelmeister-1035668.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dallas", "state": "TX" }, "licensed_states": [ "FL", "OK", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3984/brittany-shoemaker/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2025 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/brittany-kuchelmeister-1035668", "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://crosscountrymortgage.com/dallas-tx-3984/brittany-shoemaker/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 46.8, "loan_officer": { "nmls_id": 1473179, "slug": "alexis-varga-1473179", "full_name": "Alexis Varga", "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "json_url": "https://lendb.ai/lo/alexis-varga-1473179.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "CA", "CO", "GA", "IL", "IN", "KY", "MI", "OH", "OR", "PA", "TN" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2016 (per Colorado records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "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://crosscountrymortgage.com/chicago-il-3051/alexis-varga/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 46.8, "loan_officer": { "nmls_id": 1492025, "slug": "john-carmichael-1492025", "full_name": "Russell Carmichael", "canonical_url": "https://lendb.ai/lo/john-carmichael-1492025", "json_url": "https://lendb.ai/lo/john-carmichael-1492025.json", "lender": { "nmls_id": 1124061, "name": "Lower", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "licensed_states": [ "FL", "AL", "GA", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://www.lower.com/loan-officers/alabama/decatur/russell-carmichael", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-10)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 10 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/john-carmichael-1492025", "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": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/alabama/decatur/russell-carmichael" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] } ] }