--- canonical_url: https://lendb.ai/s/fha/tennessee last_verified: 2026-10-09 --- # FHA loan officers in Tennessee As of 2026-10-09, LenDb lists 405 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 Meg Hicks (CrossCountry Mortgage, Vestavia). 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. **[Morgan Cowle](https://lendb.ai/lo/morgan-cowle-40312)** (NMLS 40312), Churchill Mortgage, Brentwood, TN - 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 - No disciplinary actions on file at LenDb 2. **[Lee Dozier](https://lendb.ai/lo/lee-dozier-40422)** (NMLS 40422), Churchill Mortgage, Brentwood, TN - 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 - No disciplinary actions on file at LenDb 3. **[Meg Hicks](https://lendb.ai/lo/meg-hicks-994024)** (NMLS 994024), CrossCountry Mortgage, Vestavia, AL - 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 4. **[Hunter Strayhorn](https://lendb.ai/lo/hunter-strayhorn-1778160)** (NMLS 1778160), CrossCountry Mortgage, Johnson City, TN - 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 5. **[Dan Kraus](https://lendb.ai/lo/daniel-kraus-40222)** (NMLS 40222), Churchill Mortgage, Brentwood, TN - 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 - No disciplinary actions on file at LenDb 6. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - 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 7. **[Gary McBee](https://lendb.ai/lo/gary-mcbee-169274)** (NMLS 169274), CrossCountry Mortgage, Murfreesboro, TN - 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 8. **[Andrew Schmidt](https://lendb.ai/lo/andrew-schmidt-201143)** (NMLS 201143), Churchill Mortgage, Scottsdale, AZ - 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 9. **[Cherie Smith](https://lendb.ai/lo/cherie-smith-570248)** (NMLS 570248), Guild Mortgage, Redmond, OR - 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 10. **[Summer Robertson](https://lendb.ai/lo/summer-robertson-1009959)** (NMLS 1009959), Union Home Mortgage, Ooltewah, TN - 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 - No disciplinary actions on file at LenDb 11. **[Dan Longman](https://lendb.ai/lo/daniel-longman-369430)** (NMLS 369430), NFM Lending, Plantation, FL - 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 12. **[Kate Redman](https://lendb.ai/lo/kathleen-redman-880676)** (NMLS 880676), CrossCountry Mortgage, Evans, GA - Lists FHA 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. **[James Perfilio](https://lendb.ai/lo/jamie-perfilio-945664)** (NMLS 945664), Churchill Mortgage, Brentwood, TN - 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 - No disciplinary actions on file at LenDb 14. **[Mike Eastman](https://lendb.ai/lo/michael-eastman-21108)** (NMLS 21108), First Heritage Mortgage, Fairfax, VA - 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 15. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - 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 16. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists FHA 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 17. **[Denver Payton](https://lendb.ai/lo/denver-payton-1028692)** (NMLS 1028692), CrossCountry Mortgage, Newnan, GA - Lists FHA 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 18. **[Jolayne Craig](https://lendb.ai/lo/jolayne-craig-290277)** (NMLS 290277), Atlantic Coast Mortgage, Fredericksburg, VA - 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 19. **[Craig Cusick](https://lendb.ai/lo/craig-cusick-210381)** (NMLS 210381), Fairway Independent Mortgage Corporation, Phoenix, AZ - Lists FHA 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 20. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - 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 - No disciplinary actions on file at LenDb 21. **[Lori Jule](https://lendb.ai/lo/lori-jule-190409)** (NMLS 190409), Atlantic Coast Mortgage, Fairfax, VA - 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 22. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage, Brentwood, TN - 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 - No disciplinary actions on file at LenDb 23. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - 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 24. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists FHA 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 25. **[Clyde Bell](https://lendb.ai/lo/clyde-bell-1660787)** (NMLS 1660787), CrossCountry Mortgage, Birmingham, AL - Lists FHA 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 ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._