{ "canonical_url": "https://lendb.ai/s/vacation-home/tennessee", "summary": "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.", "specialty": "vacation-home", "state": "TN", "total": 24, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 57.8, "loan_officer": { "nmls_id": 216357, "slug": "joshua-penland-216357", "full_name": "Josh Penland", "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "json_url": "https://lendb.ai/lo/joshua-penland-216357.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Round Rock", "state": "TX" }, "licensed_states": [ "FL", "CO", "KS", "NC", "NM", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "CO" }, "years_experience": 23, "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Colorado records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/josh-penland-216357" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 56.3, "loan_officer": { "nmls_id": 279665, "slug": "sheri-watkins-279665", "full_name": "Sheri Watkins", "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/SheriWatkins", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/SheriWatkins" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 51.8, "loan_officer": { "nmls_id": 562713, "slug": "kylie-miller-562713", "full_name": "Kylie Miller", "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "json_url": "https://lendb.ai/lo/kylie-miller-562713.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Beavercreek", "state": "OH" }, "licensed_states": [ "FL", "GA", "IL", "IN", "KY", "MI", "OH", "TN", "WA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 51, "loan_officer": { "nmls_id": 744052, "slug": "kellie-buchanan-744052", "full_name": "Kellie Buchanan", "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Angel Fire", "state": "NM" }, "licensed_states": [ "FL", "CO", "NM", "OK", "TN", "TX" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": 34, "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Colorado records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 50.5, "loan_officer": { "nmls_id": 461708, "slug": "arthur-w-webb-iii-461708", "full_name": "Arthur W Webb III", "canonical_url": "https://lendb.ai/lo/arthur-w-webb-iii-461708", "json_url": "https://lendb.ai/lo/arthur-w-webb-iii-461708.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Franklin", "state": "TN" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/tn/franklin/1015-center-point-pl-hla-461708", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Franklin, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/arthur-w-webb-iii-461708", "license_check": { "state": "TN", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 45.8, "loan_officer": { "nmls_id": 179208, "slug": "jason-fox-179208", "full_name": "Jason Fox", "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "json_url": "https://lendb.ai/lo/jason-fox-179208.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Frederick", "state": "MD" }, "licensed_states": [ "FL", "CA", "CO", "DC", "DE", "IA", "IL", "IN", "MD", "MI", "MN", "NC", "PA", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 45.8, "loan_officer": { "nmls_id": 898005, "slug": "robert-carter-898005", "full_name": "Robert Carter", "canonical_url": "https://lendb.ai/lo/robert-carter-898005", "json_url": "https://lendb.ai/lo/robert-carter-898005.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Knoxville", "state": "TN" }, "licensed_states": [ "FL", "AL", "GA", "KY", "NC", "SC", "TN", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.highlandsmortgage.com/agents/robert-carter/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Knoxville, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/robert-carter-898005", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.highlandsmortgage.com/agents/robert-carter/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 45.8, "loan_officer": { "nmls_id": 1965251, "slug": "patricia-cooper-1965251", "full_name": "Trisha Cooper", "canonical_url": "https://lendb.ai/lo/patricia-cooper-1965251", "json_url": "https://lendb.ai/lo/patricia-cooper-1965251.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Chantilly", "state": "VA" }, "licensed_states": [ "NC", "TN", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 8, "lender_profile_url": "https://alcova.com/loan-officer/tcooper/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patricia-cooper-1965251", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://alcova.com/loan-officer/tcooper/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 45.5, "loan_officer": { "nmls_id": 1996964, "slug": "justin-mordy-1996964", "full_name": "Justin Mordy", "canonical_url": "https://lendb.ai/lo/justin-mordy-1996964", "json_url": "https://lendb.ai/lo/justin-mordy-1996964.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Spring Hill", "state": "TN" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/tn/spring-hill/4930-main-st-hla-1996964", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Spring Hill, TN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/justin-mordy-1996964", "license_check": { "state": "TN", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 43.3, "loan_officer": { "nmls_id": 659306, "slug": "alicia-howard-659306", "full_name": "Alicia Howard", "canonical_url": "https://lendb.ai/lo/alicia-howard-659306", "json_url": "https://lendb.ai/lo/alicia-howard-659306.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Knoxville", "state": "TN" }, "licensed_states": [ "GA", "TN" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.highlandsmortgage.com/agents/alicia-howard/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Knoxville, TN", "TN listed on their lender page (not yet checked with the state regulator; 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