{ "canonical_url": "https://lendb.ai/s/refinance/tennessee", "summary": "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.", "specialty": "refinance", "state": "TN", "total": 232, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 59, "loan_officer": { "nmls_id": 865895, "slug": "kathleen-spicuzza-865895", "full_name": "Kathleen Spicuzza", "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "json_url": "https://lendb.ai/lo/kathleen-spicuzza-865895.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/m/6cb897a66295b38f/Website-3493_Spicuzza_865895.jpg", "licensed_states": [ "FL", "AZ", "CA", "NV", "TN", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-09-18", "state": "CA" }, "licensed_since": { "year": 2019, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 18, 2019 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 59, "loan_officer": { "nmls_id": 1736087, "slug": "patricia-miocic-1736087", "full_name": "Patricia Miocic", "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087", "json_url": "https://lendb.ai/lo/patricia-miocic-1736087.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "slug": "xpert-home-lending-2179191", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": "TN" }, "headshot_url": "https://xperthomelending.com/hubfs/Headshots/Processed/Patricia-Miocic.webp", "licensed_states": [ "FL", "CA", "GA", "MD", "NC", "TN" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "asset-based", "bank-statement", "construction", "down-payment-assistance", "dscr", "foreign-national", "heloc", "itin", "mixed-use", "recent-credit-event", "renovation", "reverse", "self-employed", "usda" ], "years_licensed": null, "earliest_license_record": { "date": "2018-06-19", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://xperthomelending.com/loan-directory/patricia-miocic", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Tennessee", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 19, 2018 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://xperthomelending.com/loan-directory/patricia-miocic" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 54.3, "loan_officer": { "nmls_id": 3364, "slug": "jeremy-wetzel-3364", "full_name": "Jeremy Wetzel", "licensed_names": [ { "name": "Jeremy Wetzel", "name_with_middle_initial": "Jeremy M. Wetzel", "first_name": "Jeremy", "middle_initial": "M", "last_name": "Wetzel", "states": [ "CA", "FL" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Louisville", "state": "KY" }, "headshot_url": "https://thevault.ccm.com/m/43e5be55a784fe47/Website-2905_Wetzel_3364.jpg", "licensed_states": [ "FL", "CA", "GA", "ID", "IL", "IN", "KY", "OH", "TN", "VA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-11-03", "state": "IL" }, "licensed_since": { "year": 2010, "state": "IL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 3, 2010 (Illinois), per state regulator", "States 23 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 52, "loan_officer": { "nmls_id": 2026522, "slug": "james-conley-2026522", "full_name": "James Conley", "licensed_names": [ { "name": "James Conley", "name_with_middle_initial": "James F. Conley", "first_name": "James", "middle_initial": "F", "last_name": "Conley", "states": [ "CA", "DE", "FL", "MD", "OR" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "json_url": "https://lendb.ai/lo/james-conley-2026522.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg", "licensed_states": [ "FL", "DE", "OR", "CA", "AZ", "DC", "GA", "MD", "MI", "PA", "TN", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-08-03", "state": "WI" }, "licensed_since": { "year": 2022, "state": "WI" }, "years_experience": 6, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator", "States 6 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 51.8, "loan_officer": { "nmls_id": 2568385, "slug": "krystyn-smink-2568385", "full_name": "Krystyn Smink", "canonical_url": "https://lendb.ai/lo/krystyn-smink-2568385", "json_url": "https://lendb.ai/lo/krystyn-smink-2568385.json", "lender": { "nmls_id": 138063, "name": "Gershman Investment Corp.", "slug": "gershman-investment-corp-138063", "canonical_url": "https://lendb.ai/lender/gershman-investment-corp-138063", "type": "imb" }, "branch": { "city": "Clarksville", "state": "TN" }, "headshot_url": "https://www.gershman.com/wp-content/uploads/2025/02/Krystyn-Smink-500x500.jpg", "licensed_states": [ "AR", "AL", "KY", "NC", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.gershman.com/loan-officers/krystyn-smink/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Clarksville, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/krystyn-smink-2568385", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.gershman.com/loan-officers/krystyn-smink/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 51.5, "loan_officer": { "nmls_id": 1980879, "slug": "michael-schuster-1980879", "full_name": "Mike Schuster", "licensed_names": [ { "name": "Michael Schuster", "name_with_middle_initial": "Michael H. 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verify at NMLS)", "Earliest state license record: April 26, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 51, "loan_officer": { "nmls_id": 457108, "slug": "eric-raso-457108", "full_name": "Eric Raso", "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "json_url": "https://lendb.ai/lo/eric-raso-457108.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "RI", "SC", "SD", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-27", "state": "CO" }, "licensed_since": { "year": 2014, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "TN listed on their lender page (not yet checked with the state regulator; 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