{
  "canonical_url": "https://lendb.ai/s/va/tennessee",
  "summary": "As of 2026-10-09, LenDb lists 326 loan officers licensed in or based in Tennessee whose lender pages show VA loan work. The top-ranked are Morgan Cowle (Churchill Mortgage, Brentwood), Lee Dozier (Churchill Mortgage, Brentwood) and Dan Kraus (Churchill Mortgage, Brentwood). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "TN",
  "total": 326,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TN (listed on lender page, verified 2026-10-09)",
        "Branch in Tennessee",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312"
    },
    {
      "rank": 2,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 40422,
        "slug": "lee-dozier-40422",
        "full_name": "Lee Dozier",
        "canonical_url": "https://lendb.ai/lo/lee-dozier-40422",
        "json_url": "https://lendb.ai/lo/lee-dozier-40422.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CT",
          "GA",
          "IN",
          "KY",
          "MS",
          "OK",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 29,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/lee-dozier"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TN (listed on lender page, verified 2026-10-09)",
        "Branch in Tennessee",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lee-dozier-40422"
    },
    {
      "rank": 3,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 40222,
        "slug": "daniel-kraus-40222",
        "full_name": "Dan Kraus",
        "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222",
        "json_url": "https://lendb.ai/lo/daniel-kraus-40222.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "IN",
          "KS",
          "KY",
          "MA",
          "MO",
          "MS",
          "NJ",
          "OK",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 24,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus"
      },
      "reasons": [
        "Lists VA loan 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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222"
    },
    {
      "rank": 4,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 201143,
        "slug": "andrew-schmidt-201143",
        "full_name": "Andrew Schmidt",
        "canonical_url": "https://lendb.ai/lo/andrew-schmidt-201143",
        "json_url": "https://lendb.ai/lo/andrew-schmidt-201143.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "IA",
          "IL",
          "MN",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/andrew-schmidt"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-schmidt-201143"
    },
    {
      "rank": 5,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 395360,
        "slug": "eric-whitcomb-395360",
        "full_name": "Eric Whitcomb",
        "canonical_url": "https://lendb.ai/lo/eric-whitcomb-395360",
        "json_url": "https://lendb.ai/lo/eric-whitcomb-395360.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Cypress",
          "state": "CA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/cypress-ca-4041/eric-whitcomb/"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-whitcomb-395360"
    },
    {
      "rank": 6,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 570248,
        "slug": "cherie-smith-570248",
        "full_name": "Cherie Smith",
        "canonical_url": "https://lendb.ai/lo/cherie-smith-570248",
        "json_url": "https://lendb.ai/lo/cherie-smith-570248.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Redmond",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "GA",
          "ID",
          "MT",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/or/redmond/cherie-smith-565-wtcs.html"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/cherie-smith-570248"
    },
    {
      "rank": 7,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1009959,
        "slug": "summer-robertson-1009959",
        "full_name": "Summer Robertson",
        "canonical_url": "https://lendb.ai/lo/summer-robertson-1009959",
        "json_url": "https://lendb.ai/lo/summer-robertson-1009959.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Ooltewah",
          "state": "TN"
        },
        "licensed_states": [
          "AL",
          "FL",
          "GA",
          "NC",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 18,
        "lender_profile_url": "https://www.uhm.com/loan-officers/summer-robertson/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in TN (listed on lender page, verified 2026-10-09)",
        "Branch in Tennessee",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/summer-robertson-1009959"
    },
    {
      "rank": 8,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 162320,
        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 9,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 167461,
        "slug": "marshall-sparkman-167461",
        "full_name": "Marshall Sparkman",
        "canonical_url": "https://lendb.ai/lo/marshall-sparkman-167461",
        "json_url": "https://lendb.ai/lo/marshall-sparkman-167461.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Nashville",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "IL",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/nashville-tn-2811/charles-sparkman/"
      },
      "reasons": [
        "Lists VA loan 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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/marshall-sparkman-167461"
    },
    {
      "rank": 10,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 369430,
        "slug": "daniel-longman-369430",
        "full_name": "Dan Longman",
        "canonical_url": "https://lendb.ai/lo/daniel-longman-369430",
        "json_url": "https://lendb.ai/lo/daniel-longman-369430.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Plantation",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "OH",
          "SC",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 28,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/dan-longman/"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-longman-369430"
    },
    {
      "rank": 11,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 945664,
        "slug": "jamie-perfilio-945664",
        "full_name": "James Perfilio",
        "canonical_url": "https://lendb.ai/lo/jamie-perfilio-945664",
        "json_url": "https://lendb.ai/lo/jamie-perfilio-945664.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/james-perfilio"
      },
      "reasons": [
        "Lists VA loan 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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jamie-perfilio-945664"
    },
    {
      "rank": 12,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 21108,
        "slug": "michael-eastman-21108",
        "full_name": "Mike Eastman",
        "canonical_url": "https://lendb.ai/lo/michael-eastman-21108",
        "json_url": "https://lendb.ai/lo/michael-eastman-21108.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/mike-eastman/"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-eastman-21108"
    },
    {
      "rank": 13,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
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          "LA",
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          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
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          "RI",
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          "TN",
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          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562"
        },
        "branch": {
          "city": "Cookeville",
          "state": "TN"
        },
        "licensed_states": [
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/jason-black/"
      },
      "reasons": [
        "Lists VA loan 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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-black-157556"
    }
  ]
}