Borrower situations · Tennessee
Loan officers for first-time buyers in Tennessee
As of 2026-10-09, LenDb lists 372 loan officers licensed in or based in Tennessee whose lender pages show First-time buyer work. The top-ranked are Corey Austin (Union Home Mortgage, Cookeville), James Perfilio (Churchill Mortgage, Brentwood) and Jeremy Wetzel (CrossCountry Mortgage, Louisville). 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
Corey AustinNMLS 650342
Union Home Mortgage · Cookeville, TN
- First-time buyer
- FHA loan
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Cookeville, TN
- States 20 years of experience (lender page, 2026-10-09)
- 2
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Brentwood, TN
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 3
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- First-time buyer
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Real estate investor
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- First-time buyer
- Real estate investor
- Construction loan
- Down payment assistance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 29 years of experience (lender page, 2026-10-09)
- 6
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 7
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- First-time buyer
- Non-QM loan
- Down payment assistance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 8
Shelley DunnNMLS 185241
Guild Mortgage · Southaven, MS · licensed in 4 states
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 9
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- First-time buyer
- Jumbo loan
- Real estate investor
- Self-employed
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 10
Amber PageNMLS 229184
Evergreen Home Loans · Silverdale, WA · licensed in 14 states
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Nancy SiplesNMLS 256016
Guild Mortgage · Riverside, CA · licensed in 4 states
- First-time buyer
- Down payment assistance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 12
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- First-time buyer
- FHA loan
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- States 25 years of experience (lender page, 2026-10-09)
- 15
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 16
Donna KingNMLS 637803
Union Home Mortgage · Asheville, NC · licensed in 3 states
- First-time buyer
- Self-employed
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 17
Troy RabidouxNMLS 771053
Union Home Mortgage · Rochester, MI · licensed in 5 states
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 18
AJ DiCarloNMLS 2488670
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- First-time buyer
- Construction loan
- Real estate investor
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 19
Laura MullenNMLS 500688
Ruoff Mortgage · licensed in 4 states
- First-time buyer
- Down payment assistance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 20
Aerick SquierNMLS 212834
American Pacific Mortgage · Glendale, AZ · licensed in 4 states
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 19 years of experience (lender page, 2026-10-09)
- 21
Mea DanigelisNMLS 770981
Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states
- First-time buyer
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 22
Nathan SolidayNMLS 166402
Success Mortgage Partners · Sellersburg, IN · licensed in 3 states
- First-time buyer
- USDA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 23
Craig CusickNMLS 210381
Fairway Independent Mortgage Corporation · Phoenix, AZ · licensed in 7 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 24
Sheri WatkinsNMLS 279665
Ruoff Mortgage · licensed in 8 states
- First-time buyer
- New construction
- Vacation home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 25
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- First-time buyer
- Real estate investor
- Construction loan
- Down payment assistance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a TN license is confirmed with the state regulator (check mark), TN is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.