--- canonical_url: https://lendb.ai/s/non-qm/tennessee last_verified: 2026-10-11 --- # 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. ## Ranked, with reasons 1. **[James Perfilio](https://lendb.ai/lo/jamie-perfilio-945664)** (NMLS 945664), Churchill Mortgage, Brentwood, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Brentwood, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 17, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 2. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan 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) - Earliest state license record: September 5, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[Nick Redhead](https://lendb.ai/lo/nicholas-redhead-594824)** (NMLS 594824), Embrace Home Loans, Pensacola, FL - Lists Non-QM loan 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) - Earliest state license record: August 20, 2021 (Florida), per state regulator - States 23 years of experience (lender page, 2026-10-09) 4. **[Rebecca Molnar](https://lendb.ai/lo/rebecca-molnar-185523)** (NMLS 185523), CrossCountry Mortgage, Sarasota, FL - Lists Non-QM loan 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) - Earliest state license record: July 14, 2026 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 5. **[Chad Emerson](https://lendb.ai/lo/chad-emerson-232133)** (NMLS 232133), CMG Home Loans, Shavano Park, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-11) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 23, 2023 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-11) 6. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists Non-QM loan 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) - Earliest state license record: November 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-10) 7. **[Shawn Kaplan](https://lendb.ai/lo/shawn-kaplan-184641)** (NMLS 184641), CrossCountry Mortgage, Franklin, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Franklin, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 12, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 8. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Non-QM loan 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) - Earliest state license record: December 12, 2018 (Colorado), per state regulator 9. **[Sean Frith](https://lendb.ai/lo/sean-frith-1090092)** (NMLS 1090092), CrossCountry Mortgage, Destin, FL - Lists Non-QM loan 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) - Earliest state license record: January 12, 2018 (Florida), per state regulator 10. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Non-QM loan 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) - Earliest state license record: June 1, 2020 (Colorado), per state regulator 11. **[Chris Drane](https://lendb.ai/lo/christopher-drane-19621)** (NMLS 19621), Guild Mortgage, Clarksville, IN - Lists Non-QM loan 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) - Earliest state license record: August 29, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 12. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan 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) - Earliest state license record: January 15, 2020 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 13. **[Sandra Smith](https://lendb.ai/lo/sandra-smith-200651)** (NMLS 200651), CrossCountry Mortgage, Alpharetta, GA - Lists Non-QM loan 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) - Earliest state license record: June 29, 2011 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 14. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan 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) - Earliest state license record: June 15, 2022 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 15. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists Non-QM loan 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) - Earliest state license record: October 17, 2022 (Colorado), per state regulator - States 23 years of experience (lender page, 2026-10-09) 16. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA - Lists Non-QM loan 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) - Earliest state license record: December 21, 2023 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 17. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan 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) - Earliest state license record: June 12, 2019 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 18. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX - Lists Non-QM loan 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) - Earliest state license record: May 17, 2023 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 19. **[Kim Jones](https://lendb.ai/lo/kim-jones-324221)** (NMLS 324221), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan 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 44 years of experience (lender page, 2026-10-09) 20. **[Lindsey Baab-Akers](https://lendb.ai/lo/lindsey-baab-akers-378853)** (NMLS 378853), CrossCountry Mortgage, Beavercreek, OH - Lists Non-QM loan 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) - Earliest state license record: March 17, 2021 (Florida), per state regulator - States 26 years of experience (lender page, 2026-10-09) 21. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Non-QM loan 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) - Earliest state license record: April 17, 2025 (Florida), per state regulator - States 23 years of experience (lender page, 2026-10-09) 22. **[Kate Redman](https://lendb.ai/lo/kathleen-redman-880676)** (NMLS 880676), CrossCountry Mortgage, Evans, GA - Lists Non-QM loan 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) - Earliest state license record: November 19, 2018 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 23. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists Non-QM loan 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) - Earliest state license record: July 23, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 24. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan 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) - Earliest state license record: December 4, 2023 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 25. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists Non-QM loan 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) - Earliest state license record: September 12, 2013 (Colorado), per state regulator - States 35 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/non-qm/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._