LenDb.ai

Property types · Tennessee

Rural property loan officers in Tennessee

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Tennessee whose lender pages show Rural property work. The top-ranked are Ed Buck (American Pacific Mortgage, Port Charlotte), Joseph Geffert (Loan Factory) and Sterling Smith (First Community Mortgage, Shelbyville). 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 3

  1. 1

    Ed BuckNMLS 224126

    American Pacific Mortgage · Port Charlotte, FL · licensed in 3 states

    • Rural property
    • First-time buyer
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Joseph GeffertNMLS 186479

    Loan Factory · Mortgage broker · licensed in 8 states

    • Rural property
    • USDA loan
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Sterling SmithNMLS 1726806

    First Community Mortgage · Shelbyville, TN

    • Rural property
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Branch in Tennessee; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb

Before you choose

Appraisals lack comparable sales, and acreage limits, outbuildings and water or septic inspections can derail approval.

  • What is your maximum acreage, and how do you treat outbuildings?
  • Do you have appraisers who know rural properties in this county?
  • Does this location qualify for USDA financing?

More about Rural property

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in TN or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=rural&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.