Borrower situations · Tennessee
Loan officers for homeowners who are refinancing in Tennessee
As of 2026-10-26, LenDb lists 232 loan officers licensed in or based in Tennessee whose lender pages show Refinance work. The top-ranked are Kathleen Spicuzza (CrossCountry Mortgage, Las Vegas), Patricia Miocic (Xpert Home Lending) 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
Kathleen SpicuzzaNMLS 865895
CrossCountry Mortgage · Las Vegas, NV · licensed in 6 states
- Refinance
- Reverse mortgage
- VA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: September 18, 2019 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 2
Patricia MiocicNMLS 1736087
Xpert Home Lending · Mortgage broker · Tennessee · licensed in 6 states
- Refinance
- Non-QM loan
- First-time buyer
- Jumbo loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Tennessee
- Earliest state license record: June 19, 2018 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 3
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 4
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 5
Krystyn SminkNMLS 2568385
Gershman Investment Corp. · Clarksville, TN · licensed in 5 states
- Refinance
- First-time buyer
- Real estate investor
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Clarksville, TN
- 6
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 7
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 8
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Allen, TX · licensed in 6 states
- Refinance
- Condo
- Manufactured home
- Vacation home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 6, 2012 (Texas), per state regulator
- States 34 years of experience (lender page, 2026-10-20)
- 9
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Refinance
- Condo
- Construction loan
- Manufactured home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Knoxville, TN
- Earliest state license record: September 27, 2021 (Florida), per state regulator
- 10
Nicholas Charles PagniniNMLS 1911943
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 10 states
- Refinance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: February 14, 2020 (California), per state regulator
- 11
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 12
Alicia HowardNMLS 659306
Highlands Residential Mortgage · Knoxville, TN · licensed in 2 states
- Refinance
- Condo
- Construction loan
- Manufactured home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Knoxville, TN
- 13
Kenya TeagueNMLS 1109879
Highlands Residential Mortgage · Knoxville, TN
- Refinance
- Condo
- Construction loan
- Manufactured home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Knoxville, TN
- 14
Jonna PyeNMLS 2044609
Highlands Residential Mortgage · Knoxville, TN
- Refinance
- Condo
- Construction loan
- Manufactured home
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Knoxville, TN
- 15
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 23, 2016 (California), per state regulator
- 16
Greg BrockNMLS 1533416
CrossCountry Mortgage · Canton, GA · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- 17
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 26, 2011 (Oregon), per state regulator
- 18
Ashley OrtegaNMLS 238561
CMG Home Loans · Coronado, CA · licensed in 11 states
- Refinance
- HELOC
- Jumbo loan
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 17, 2012 (California), per state regulator
- 19
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 20
Debbie SchmidtNMLS 201144
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- Refinance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: September 7, 2016 (California), per state regulator
- States 24 years of experience (lender page, 2026-10-20)
- 21
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 27, 2010 (California), per state regulator
- 22
Brandon SparksNMLS 273376
Barton Creek Lending Group LLC · licensed in 4 states
- Refinance
- Construction loan
- DSCR loan
- FHA loan
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 26, 2005 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 23
Tom HotterNMLS 1840776
Thompson Kane & Company, Inc. · licensed in 10 states
- Refinance
- First-time buyer
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: April 30, 2019 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 24
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 25
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: June 26, 2025 (Florida), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.