Loan programs · Tennessee
FHA loan officers in Tennessee
As of 2026-10-09, LenDb lists 392 loan officers licensed in or based in Tennessee whose lender pages show FHA loan work. The top-ranked are Morgan Cowle (Churchill Mortgage, Brentwood), Lee Dozier (Churchill Mortgage, Brentwood) and Dan Kraus (Churchill Mortgage, Brentwood). 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 25
- 1
Morgan CowleNMLS 40312
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 11 years licensed
- 2
Lee DozierNMLS 40422
Churchill Mortgage · Brentwood, TN · licensed in 9 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 9 years licensed
- 3
Dan KrausNMLS 40222
Churchill Mortgage · Brentwood, TN · licensed in 16 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 7 years licensed
- 4
Andrew SchmidtNMLS 201143
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Cherie SmithNMLS 570248
Guild Mortgage · Redmond, OR · licensed in 9 states
- FHA loan
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Summer RobertsonNMLS 1009959
Union Home Mortgage · Ooltewah, TN · licensed in 5 states
- FHA loan
- Construction loan
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 6 years licensed
- 7
Dan LongmanNMLS 369430
NFM Lending · Plantation, FL · licensed in 7 states
- FHA loan
- First-time buyer
- Jumbo loan
- Self-employed
- Lists FHA 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
- 8
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- FHA loan
- First-time buyer
- Jumbo loan
- Non-QM loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 5 years licensed
- 9
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists FHA 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
- 10
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA 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
- 11
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 3 years licensed
- 13
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA 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
- 14
Gilbert SalazarNMLS 344711
Guild Mortgage · Irvine, CA · licensed in 7 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists FHA 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
- 15
Will PendergraftNMLS 887706
Churchill Mortgage · Brentwood, TN · licensed in 20 states
- FHA loan
- VA loan
- First-time buyer
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 2 years licensed
- 16
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA 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
- 17
Meg HicksNMLS 994024
CrossCountry Mortgage · Vestavia, AL · licensed in 4 states
- FHA loan
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 18
Jason BlackNMLS 157556
Success Mortgage Partners · Cookeville, TN
- FHA loan
- Self-employed
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 30 years experience (stated on lender page, 2026-10-09)
- 19
Randy KeyNMLS 190053
Churchill Mortgage · Dallas, TX · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 20
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- FHA loan
- First-time buyer
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 21
Corey AustinNMLS 650342
Union Home Mortgage · Cookeville, TN
- FHA loan
- First-time buyer
- VA loan
- Lists FHA 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
- 22
Samuel TimlickNMLS 2776469
NFM Lending · Johnson City, TN · licensed in 2 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA 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
- 23
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- FHA loan
- VA loan
- First-time buyer
- HELOC
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 24
Cassandra BajakNMLS 304653
Guild Mortgage · Aurora, IL · licensed in 5 states
- FHA loan
- Jumbo loan
- Recent credit event
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 25
Sonia HashimiNMLS 965240
Loan Factory · licensed in 17 states
- FHA loan
- First-time buyer
- VA loan
- Real estate investor
- Lists FHA 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
Before you choose
Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.
- What minimum credit score do you accept for FHA, with or without overlays?
- How do you handle FHA appraisal repair requirements?
- What will mortgage insurance cost over the life of the 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=fha&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.