Borrower situations · Tennessee
Loan officers for self-employed borrowers in Tennessee
As of 2026-10-09, LenDb lists 58 loan officers licensed in or based in Tennessee whose lender pages show Self-employed work. The top-ranked are Jason Black (Success Mortgage Partners, Cookeville), Joe Soto (CrossCountry Mortgage, Cypress) and Eric Whitcomb (CrossCountry Mortgage, Cypress). 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
Jason BlackNMLS 157556
Success Mortgage Partners · Cookeville, TN
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 30 years experience (stated on lender page, 2026-10-09)
- 2
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Self-employed
- 1099 income
- Bank statement loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Eric WhitcombNMLS 395360
CrossCountry Mortgage · Cypress, CA · licensed in 3 states
- Self-employed
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Brandi Jackson TalleyNMLS 2554906
Loan Factory · Mortgage broker · Tennessee
- Self-employed
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 25 years experience (stated on lender page, 2026-10-09)
- 6
James HarperNMLS 71317
Fairway Independent Mortgage Corporation · Hendersonville, TN · licensed in 5 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 7 years licensed
- 7
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 8
Russ LaingNMLS 394619
Network Funding · Austin, TX · licensed in 7 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 24 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Dan LongmanNMLS 369430
NFM Lending · Plantation, FL · licensed in 7 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed 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
- 10
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 5 years licensed
- 11
John LaMorteNMLS 183959
CrossCountry Mortgage · Fairfax, VA · licensed in 7 states
- Self-employed
- Real estate investor
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 12
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 13
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 14
Jeff AdamsNMLS 1851495
CrossCountry Mortgage · Cincinnati, OH · licensed in 25 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 15
Vince StasollaNMLS 148704
CrossCountry Mortgage · Pittsburgh, PA · licensed in 23 states
- Self-employed
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 16
Chris CaldwellNMLS 1996815
CrossCountry Mortgage · Greenville, SC · licensed in 5 states
- Self-employed
- Low credit score
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 17
James HairNMLS 1680348
CrossCountry Mortgage · Houston, TX · licensed in 13 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 18
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- Self-employed
- DSCR loan
- FHA loan
- HELOC
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 19
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Self-employed
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 20
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- Self-employed
- FHA loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- Branch in Tennessee
- 5 years licensed
- 21
Jonathan EdwardsNMLS 671258
Guild Mortgage · Greenwood Village, CO · licensed in 12 states
- Self-employed
- ITIN borrower
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 22
Susan WebberNMLS 100062
First Community Mortgage · Murfreesboro, TN
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Tennessee; no license list on file yet, verify at NMLS Consumer Access
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Chris ParksNMLS 1021326
Churchill Mortgage · Glen Allen, VA · licensed in 6 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 24
Nick RedheadNMLS 594824
Embrace Home Loans · Tampa, FL · licensed in 5 states
- Self-employed
- Non-QM loan
- Real estate investor
- Reverse mortgage
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 25
Trisha CooperNMLS 1965251
ALCOVA Mortgage · Chantilly, VA · licensed in 3 states
- Self-employed
- First-time buyer
- Real estate investor
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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=self-employed&state=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.