Loan programs · Alabama
Non-QM loan officers in Alabama
As of 2026-10-09, LenDb lists 70 loan officers licensed in or based in Alabama whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Cissy Bacon (CrossCountry Mortgage, Mobile) and Sean Frith (CrossCountry Mortgage, Destin). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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 25
- 1
Tammy FrithNMLS 190264
CrossCountry Mortgage · Destin, FL · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 2
Cissy BaconNMLS 36702
CrossCountry Mortgage · Mobile, AL · licensed in 3 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 15 years licensed
- 3
Sean FrithNMLS 1090092
CrossCountry Mortgage · Destin, FL · licensed in 6 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 4
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 5
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 6
Soraya TorresNMLS 1568980
CrossCountry Mortgage · Duluth, GA · licensed in 3 states
- Non-QM loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 7
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Non-QM loan
- Down payment assistance
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 9
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Sandra SmithNMLS 200651
CrossCountry Mortgage · Alpharetta, GA · licensed in 7 states
- Non-QM loan
- Jumbo loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 11
Sundi EngleNMLS 1385043
Embrace Home Loans · Tampa, FL · licensed in 3 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 12
Mike CookNMLS 232248
CrossCountry Mortgage · San Diego, CA · licensed in 23 states
- Non-QM loan
- Jumbo loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 13
Nick RedheadNMLS 594824
Embrace Home Loans · Tampa, FL · licensed in 5 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 14
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 15
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 16
Tony BardawilNMLS 1638874
CrossCountry Mortgage · Cleveland, OH · licensed in 18 states
- Non-QM loan
- Condo
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 17
Rodney MasonNMLS 151088
CrossCountry Mortgage · Atlanta, GA · licensed in 11 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 18
Kevin PatrickNMLS 1036946
CrossCountry Mortgage · Martinsburg, WV · licensed in 14 states
- Non-QM loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 19
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Non-QM loan
- Condo
- Real estate investor
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 20
Jarrod ManleyNMLS 1953199
Success Mortgage Partners · Plymouth, MI · licensed in 2 states
- Non-QM loan
- FHA loan
- First-time buyer
- USDA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 21
Tim SmithNMLS 104578
CrossCountry Mortgage · Memphis, TN · licensed in 8 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 22
Andrew RussellNMLS 217975
CrossCountry Mortgage · Hauppauge, NY · licensed in 19 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 23
Stacey GrimesNMLS 554943
CrossCountry Mortgage · Panama City, FL · licensed in 6 states
- Non-QM loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 24
Kathy JohnsonNMLS 1402120
CrossCountry Mortgage · Houston, TX · licensed in 33 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 25
Lori RousseauNMLS 506634
CrossCountry Mortgage · Alpharetta, GA · licensed in 6 states
- Non-QM loan
- Condo
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- Which non-QM investors do you work with?
- Why does my situation need non-QM rather than an agency loan?
- Is there a prepayment penalty, and can I refinance later?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.