--- canonical_url: https://lendb.ai/s/refinance/tennessee last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Kathleen Spicuzza](https://lendb.ai/lo/kathleen-spicuzza-865895)** (NMLS 865895), CrossCountry Mortgage, Las Vegas, NV - 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) 2. **[Patricia Miocic](https://lendb.ai/lo/patricia-miocic-1736087)** (NMLS 1736087), Xpert Home Lending, TN - 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) 3. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - 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) 4. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD - 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) 5. **[Krystyn Smink](https://lendb.ai/lo/krystyn-smink-2568385)** (NMLS 2568385), Gershman Investment Corp., Clarksville, TN - 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) 6. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - 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: April 26, 2021 (Illinois), per state regulator 7. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 8. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Allen, TX - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 6, 2012 (Texas), per state regulator - States 34 years of experience (lender page, 2026-10-20) 9. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Knoxville, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 27, 2021 (Florida), per state regulator 10. **[Nicholas Charles Pagnini](https://lendb.ai/lo/nicholas-pagnini-1911943)** (NMLS 1911943), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 14, 2020 (California), per state regulator 11. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 12. **[Alicia Howard](https://lendb.ai/lo/alicia-howard-659306)** (NMLS 659306), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Knoxville, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Kenya Teague](https://lendb.ai/lo/kenya-teague-1109879)** (NMLS 1109879), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Knoxville, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Jonna Pye](https://lendb.ai/lo/jonna-pye-2044609)** (NMLS 2044609), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Knoxville, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 23, 2016 (California), per state regulator 16. **[Greg Brock](https://lendb.ai/lo/greg-brock-1533416)** (NMLS 1533416), CrossCountry Mortgage, Canton, GA - 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) 17. **[Jennifer Buckholz](https://lendb.ai/lo/jennifer-buckholz-265867)** (NMLS 265867), CMG Home Loans, Federal Way, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2011 (Oregon), per state regulator 18. **[Ashley Ortega](https://lendb.ai/lo/ashley-ortega-238561)** (NMLS 238561), CMG Home Loans, Coronado, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (California), per state regulator 19. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - 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: June 4, 2013 (Oregon), per state regulator 20. **[Debbie Schmidt](https://lendb.ai/lo/debbie-schmidt-201144)** (NMLS 201144), Churchill Mortgage, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 7, 2016 (California), per state regulator - States 24 years of experience (lender page, 2026-10-20) 21. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 22. **[Brandon Sparks](https://lendb.ai/lo/brandon-sparks-273376)** (NMLS 273376), Barton Creek Lending Group LLC - 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: July 26, 2005 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-26) 23. **[Tom Hotter](https://lendb.ai/lo/thomas-hotter-1840776)** (NMLS 1840776), Thompson Kane & Company, Inc. - 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: April 30, 2019 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 24. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - 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: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 25. **[Mike Eastman](https://lendb.ai/lo/michael-eastman-21108)** (NMLS 21108), First Heritage Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 26, 2025 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._