Property types · Tennessee

Vacation home loan officers in Tennessee

As of 2026-10-09, LenDb lists 24 loan officers licensed in or based in Tennessee whose lender pages show Vacation home work. The top-ranked are Josh Penland (Fairway Independent Mortgage Corporation, Round Rock), Sheri Watkins (Ruoff Mortgage) and Kylie Miller (CrossCountry Mortgage, Beavercreek). 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 24

  1. 1

    Josh PenlandNMLS 216357

    Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states

    • Vacation home
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 23 years of experience (lender page, 2026-10-09)
  2. 2

    Sheri WatkinsNMLS 279665

    Ruoff Mortgage · licensed in 8 states

    • Vacation home
    • First-time buyer
    • New construction
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  3. 3

    Kylie MillerNMLS 562713

    CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states

    • Vacation home
    • Jumbo loan
    • New construction
    • Physician and medical professional
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    Kellie BuchananNMLS 744052

    Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states

    • Vacation home
    • Down payment assistance
    • Condo
    • Manufactured home
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Colorado records)
    • States 34 years of experience (lender page, 2026-10-09)
  5. 5

    Arthur W Webb IIINMLS 461708

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Franklin, TN

    • Vacation home
    • Co-op
    • Condo
    • Jumbo loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Franklin, TN
  6. 6

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • Vacation home
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
  7. 7

    Robert CarterNMLS 898005

    Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states

    • Vacation home
    • Condo
    • Construction loan
    • Manufactured home
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Knoxville, TN
    • Licensed since 2021 (per Florida records)
  8. 8

    Trisha CooperNMLS 1965251

    ALCOVA Mortgage · Chantilly, VA · licensed in 3 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Self-employed
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 8 years of experience (lender page, 2026-10-09)
  9. 9

    Justin MordyNMLS 1996964

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Spring Hill, TN

    • Vacation home
    • Co-op
    • Condo
    • VA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Spring Hill, TN
    • Licensed since 2020 (per Florida records)
  10. 10

    Alicia HowardNMLS 659306

    Highlands Residential Mortgage · Knoxville, TN · licensed in 2 states

    • Vacation home
    • Condo
    • Construction loan
    • Manufactured home
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Knoxville, TN
  11. 11

    Kenya TeagueNMLS 1109879

    Highlands Residential Mortgage · Knoxville, TN

    • Vacation home
    • Condo
    • Construction loan
    • Manufactured home
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Knoxville, TN
  12. 12

    Jonna PyeNMLS 2044609

    Highlands Residential Mortgage · Knoxville, TN

    • Vacation home
    • Condo
    • Construction loan
    • Manufactured home
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Knoxville, TN
  13. 13

    Danielle AndersonNMLS 1842677

    Guild Mortgage · Centennial, CO · licensed in 7 states

    • Vacation home
    • First-time buyer
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Colorado records)
  14. 14

    Derrick GreeneNMLS 546343

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Oak Ridge, TN

    • Vacation home
    • VA loan
    • FHA loan
    • Self-employed
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Oak Ridge, TN
  15. 15

    Blake K DeatonNMLS 2016609

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Germantown, TN

    • Vacation home
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Germantown, TN
  16. 16

    Bill RanceNMLS 2779120

    Loan Factory · Mortgage broker · licensed in 4 states

    • Vacation home
    • Construction loan
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
  17. 17

    Alex MacklinNMLS 500343

    First Citizens Bank · Bank · Fuquay-Varina, NC · licensed in 4 states

    • Vacation home
    • VA loan
    • USDA loan
    • Down payment assistance
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • States 30 years of experience (lender page, 2026-10-09)
  18. 18

    Ossie RogersNMLS 225423

    First Citizens Bank · Bank · Columbia, SC · licensed in 4 states

    • Vacation home
    • VA loan
    • USDA loan
    • Down payment assistance
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • States 18 years of experience (lender page, 2026-10-09)
  19. 19

    Lisa CalfeeNMLS 2847725

    Highlands Residential Mortgage · Chattanooga, TN · licensed in 2 states

    • Vacation home
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Chattanooga, TN
  20. 20

    Cody TealNMLS 65382

    First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
  21. 21

    Craig HelmersNMLS 94666

    First Citizens Bank · Bank · Raleigh, NC · licensed in 4 states

    • Vacation home
    • Construction loan
    • Jumbo loan
    • Physician and medical professional
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
  22. 22

    Bill DuffNMLS 412444

    First Citizens Bank · Bank · Raleigh, NC · licensed in 4 states

    • Vacation home
    • Down payment assistance
    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
  23. 23

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Vacation home
    • Down payment assistance
    • Physician and medical professional
    • HELOC
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
  24. 24

    Bill HeadrickNMLS 514509

    Highlands Residential Mortgage · Allen, TX · licensed in 2 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)

Before you choose

Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.

  • Will this qualify as a second home or an investment property?
  • Can I rent it out part time and keep second home pricing?
  • How do you treat short-term rental income?

More about Vacation home

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a TN license is confirmed with the state regulator (check mark), TN is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

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