--- canonical_url: https://lendb.ai/s/vacation-home/tennessee last_verified: 2026-10-10 --- # Vacation home loan officers in Tennessee As of 2026-10-10, LenDb lists 25 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. ## Ranked, with reasons 1. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - 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) 2. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - 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) 3. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - 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) 4. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Angel Fire, NM - 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) 5. **[Arthur W Webb III](https://lendb.ai/lo/arthur-w-webb-iii-461708)** (NMLS 461708), JPMorgan Chase Bank (Chase Home Lending), Franklin, TN - 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 6. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - 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) 7. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - 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) 8. **[Trisha Cooper](https://lendb.ai/lo/patricia-cooper-1965251)** (NMLS 1965251), ALCOVA Mortgage, Chantilly, VA - 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) 9. **[Justin Mordy](https://lendb.ai/lo/justin-mordy-1996964)** (NMLS 1996964), JPMorgan Chase Bank (Chase Home Lending), Spring Hill, TN - 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) 10. **[Alicia Howard](https://lendb.ai/lo/alicia-howard-659306)** (NMLS 659306), Highlands Residential Mortgage, Knoxville, TN - 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) 11. **[Kenya Teague](https://lendb.ai/lo/kenya-teague-1109879)** (NMLS 1109879), Highlands Residential Mortgage, Knoxville, TN - 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) 12. **[Jonna Pye](https://lendb.ai/lo/jonna-pye-2044609)** (NMLS 2044609), Highlands Residential Mortgage, Knoxville, TN - 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) 13. **[Danielle Anderson](https://lendb.ai/lo/danielle-anderson-1842677)** (NMLS 1842677), Guild Mortgage, Centennial, CO - 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 2024 (per Colorado records) 14. **[Derrick Greene](https://lendb.ai/lo/derrick-greene-546343)** (NMLS 546343), JPMorgan Chase Bank (Chase Home Lending), Oak Ridge, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Oak Ridge, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Blake K Deaton](https://lendb.ai/lo/blake-k-deaton-2016609)** (NMLS 2016609), JPMorgan Chase Bank (Chase Home Lending), Germantown, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Germantown, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Bill Rance](https://lendb.ai/lo/william-rance-2779120)** (NMLS 2779120), Loan Factory - 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 2026 (per Florida records) 17. **[Corey Riggs](https://lendb.ai/lo/corey-riggs-146741)** (NMLS 146741), Edge Home Finance, Swansboro, NC - Lists Vacation home on lender page (lender page, verified 2026-10-10) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 18. **[Alex Macklin](https://lendb.ai/lo/alex-macklin-500343)** (NMLS 500343), First Citizens Bank, Fuquay-Varina, NC - 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) - States 30 years of experience (lender page, 2026-10-09) 19. **[Ossie Rogers](https://lendb.ai/lo/ossie-rogers-225423)** (NMLS 225423), First Citizens Bank, Columbia, SC - 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) - States 18 years of experience (lender page, 2026-10-09) 20. **[Lisa Calfee](https://lendb.ai/lo/lisa-calfee-2847725)** (NMLS 2847725), Highlands Residential Mortgage, Chattanooga, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Chattanooga, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - 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) 22. **[Craig Helmers](https://lendb.ai/lo/craig-helmers-94666)** (NMLS 94666), First Citizens Bank, Raleigh, NC - 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) 23. **[Bill Duff](https://lendb.ai/lo/bill-duff-412444)** (NMLS 412444), First Citizens Bank, Raleigh, NC - 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) 24. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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) 25. **[Bill Headrick](https://lendb.ai/lo/bill-headrick-514509)** (NMLS 514509), Highlands Residential Mortgage, Allen, TX - 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._