Loan programs · Tennessee
Non-QM loan officers in Tennessee
As of 2026-10-11, LenDb lists 100 loan officers licensed in or based in Tennessee whose lender pages show Non-QM loan work. The top-ranked are James Perfilio (Churchill Mortgage, Brentwood), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Nick Redhead (Embrace Home Loans, Pensacola). 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
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Self-employed
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan 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)
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan 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)
- 3
Nick RedheadNMLS 594824
Embrace Home Loans · Pensacola, FL · licensed in 5 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- Self-employed
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Rebecca MolnarNMLS 185523
CrossCountry Mortgage · Sarasota, FL · licensed in 4 states
- Non-QM loan
- USDA loan
- VA loan
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Chad EmersonNMLS 232133
CMG Home Loans · Shavano Park, TX · licensed in 16 states
- Non-QM loan
- Real estate investor
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-11)
- Licensed since 2023 (per Florida records)
- States 27 years of experience (lender page, 2026-10-11)
- 6
Archie E. VetterNMLS 203614
Neighborhood Loans · licensed in 20 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-10)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-10)
- 7
Shawn KaplanNMLS 184641
CrossCountry Mortgage · Franklin, TN · licensed in 9 states
- Non-QM loan
- Real estate investor
- VA loan
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Franklin, TN
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 9
Sean FrithNMLS 1090092
CrossCountry Mortgage · Destin, FL · licensed in 6 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 10
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 11
Chris DraneNMLS 19621
Guild Mortgage · Clarksville, IN · licensed in 5 states
- Non-QM loan
- First-time buyer
- Manufactured home
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan 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)
- 12
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 13
Sandra SmithNMLS 200651
CrossCountry Mortgage · Alpharetta, GA · licensed in 7 states
- Non-QM loan
- Jumbo loan
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 14
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 15
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Non-QM loan
- First-time buyer
- Jumbo loan
- Real estate investor
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 16
Blayney WhiteNMLS 239189
CrossCountry Mortgage · Petaluma, CA · licensed in 12 states
- Non-QM loan
- Real estate investor
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 17
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 18
Ubaldo V Leon IIINMLS 304012
CrossCountry Mortgage · Lewisville, TX · licensed in 14 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 19
Kim JonesNMLS 324221
CrossCountry Mortgage · Houston, TX · licensed in 5 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 44 years of experience (lender page, 2026-10-09)
- 20
Lindsey Baab-AkersNMLS 378853
CrossCountry Mortgage · Beavercreek, OH · licensed in 6 states
- Non-QM loan
- VA loan
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 26 years of experience (lender page, 2026-10-09)
- 21
Martin MetzdorfNMLS 387719
CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states
- Non-QM loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan 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)
- 22
Kate RedmanNMLS 880676
CrossCountry Mortgage · Evans, GA · licensed in 6 states
- Non-QM loan
- FHA loan
- VA loan
- Construction loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 23
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Non-QM loan
- Foreign national
- Jumbo loan
- Real estate investor
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan 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)
- 24
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 25
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- Which non-QM investors do you work with?
- Why does my situation need non-QM rather than an agency loan?
- Is there a prepayment penalty, and can I refinance later?
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=non-qm&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.