--- canonical_url: https://lendb.ai/s/physician/tennessee last_verified: 2026-10-09 --- # Loan officers for physicians and medical professionals in Tennessee As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in Tennessee whose lender pages show Physician and medical professional work. The top-ranked are Laura Dorsey (Embrace Home Loans, Cumberland), Kylie Miller (CrossCountry Mortgage, Beavercreek) and Iris Legaspi (First Citizens Bank, San Diego). 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. **[Laura Dorsey](https://lendb.ai/lo/laura-dorsey-7617)** (NMLS 7617), Embrace Home Loans, Cumberland, TN - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Cumberland, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 2. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists Physician and medical professional 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) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Physician and medical professional 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) 4. **[Alex Macklin](https://lendb.ai/lo/alex-macklin-500343)** (NMLS 500343), First Citizens Bank, Fuquay-Varina, NC - Lists Physician and medical professional 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 30 years of experience (lender page, 2026-10-09) 5. **[Ossie Rogers](https://lendb.ai/lo/ossie-rogers-225423)** (NMLS 225423), First Citizens Bank, Columbia, SC - Lists Physician and medical professional 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 18 years of experience (lender page, 2026-10-09) 6. **[Joel Kavanaugh](https://lendb.ai/lo/joel-kavanaugh-1232763)** (NMLS 1232763), Truist Bank, Johnson City, TN - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Johnson City, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2014 (per Florida records) 7. **[Ryker Helms](https://lendb.ai/lo/ryker-helms-1567906)** (NMLS 1567906), Truist Bank, Murfreesboro, TN - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Murfreesboro, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2017 (per Florida records) 8. **[Herb Petit](https://lendb.ai/lo/herb-petit-1034465)** (NMLS 1034465), Truist Bank, Chattanooga, TN - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Chattanooga, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 8 years of experience (lender page, 2026-10-09) 9. **[James Nicholson](https://lendb.ai/lo/james-nicholson-1146715)** (NMLS 1146715), Truist Bank, Nashville, TN - Lists Physician and medical professional on lender page (lender page, verified 2026-10-09) - Office in Nashville, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Physician and medical professional 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) 11. **[Craig Helmers](https://lendb.ai/lo/craig-helmers-94666)** (NMLS 94666), First Citizens Bank, Raleigh, NC - Lists Physician and medical professional 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) 12. **[Bill Duff](https://lendb.ai/lo/bill-duff-412444)** (NMLS 412444), First Citizens Bank, Raleigh, NC - Lists Physician and medical professional 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) 13. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - Lists Physician and medical professional 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) ## Questions to ask - Do you have a physician loan program, and who qualifies? - How do you treat my student loans in qualifying? - Can I close on a signed employment contract before I start? Cite as: LenDb.ai, https://lendb.ai/s/physician/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._