Meet our Residential Mortgage Loan Officers

Whether you are buying a home, trying to refinance your mortgage or simply have a question, our Team is always available to help you. Please feel free to give us a call or contact us at any time. Tatom Lending is perfect for any mortgage needs, you may have. If you'd like to know the rate which you qualify for, apply online, and we will give you an accurate assessment. Our mission is to help you with all your mortgage needs. We will use our expertise to find the right program for you.

Kirk Tatom

President / Owner

NMLS# 291946
Phone: 214-774-4764



Kirk Tatom started his mortgage career in July of 2000 with Murray Mortgage in Dallas Texas. He started processing loans and by August of 2002 became a licensed loan originator. Kirk is a graduate of the University of North Texas (1994) and is a very active member on the TAMB (Texas Association of Mortgage Brokers) as well as the NAMB (National Association of Mortgage Brokers) where he has participated in lobbying efforts for financial literacy. He has been deemed an expert in the mortgage industry and has testified in defense of consumers against predatory lenders and larger national banks. Kirk started Tatom Lending LLC in May of 2007 to give consumers better choices, more options, and an understanding of the mortgage industry so that people can make better decisions concerning their financial future.




Tom Waters

Loan Officer

RMLO NMLS#212286
Phone: 214-533-3004



Tom Waters is a Sr. Loan Officer with Tatom Lending and offers over 22 years experience in the mortgage industry. Tom has a vast knowledge of residential home mortgage programs from jumbo mortgages to first time homebuyer loans. His extensive knowledge of mortgage products allows him the ability to get the best rates and programs available. His strong work ethic, and dedication to customer service are just a few reasons why Tom and Tatom Lending are frequently recommended by top Realtors and Builders in the Dallas/Fort Worth area.


Taylor Young

Loan Officer

RMLO NMLS# 1854645
Phone: 214-415-1542



Taylor Young is a Licensed Mortgage Loan Officer and a Dallas native. As a graduate of Jesuit and SMU, Taylor has been serving community and culture in Texas for over two decades. He is an accredited GMA lending associate through the National Association of Mortgage Brokers, adhering to the NAMB Code of Ethics and meeting their stringent eligibility standard. This is a unique distinction bestowed upon less than 1% of all loan originators in the United States. His residential and construction lending background from First United Bank along with his dedication to great customer service at Tatom Lending has made him the preferred lender in DFW and beyond.

Toby Pipes

Loan Officer

RMLO NMLS# 1996341
Phone: 214-676-8536



Toby Pipes was born and raised in Huntsville, Texas, graduating from the University of North Texas in 1994 and became part of the Dallas community for over 15 years. Now living in College Station, Toby has become a Licensed Mortgage Officer and is looking forward to helping you with all of your mortgage needs as part of the Tatom Lending team. Purchasing a home, refinancing, or using equity for renovations is always an important decision and should be an exciting time, stress-free and a simple process. With the 20 years of Tatom Lending experience, we will get to know you and find the best options for your unique situation.