Loan programs · Arizona
Non-QM loan officers in Arizona
As of 2026-10-09, LenDb lists 103 loan officers licensed in or based in Arizona whose lender pages show Non-QM loan work. The top-ranked are Cyndi Natalie Nunez (Guild Mortgage, Santa Maria), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Jason Smith (CrossCountry Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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
Cyndi Natalie NunezNMLS 255666
Guild Mortgage · Santa Maria, CA · licensed in 2 states
- Non-QM loan
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 40 years of experience (lender page, 2026-10-09)
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- Licensed since 2022 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 4
Martin MetzdorfNMLS 387719
CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states
- Non-QM loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Gilbert, AZ
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 5
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- Licensed since 2018 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 7
Lizy HoefferNMLS 260183
CrossCountry Mortgage · Scottsdale, AZ
- Non-QM loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- States 16 years of experience (lender page, 2026-10-09)
- 8
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 9
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 10
Erika SlaytonNMLS 76823
CrossCountry Mortgage · San Antonio, TX · licensed in 3 states
- Non-QM loan
- Real estate investor
- Down payment assistance
- FHA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 31 years of experience (lender page, 2026-10-09)
- 11
Steph NobleNMLS 129002
CrossCountry Mortgage · Portland, OR · licensed in 4 states
- Non-QM loan
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Keely MatteoNMLS 134942
CrossCountry Mortgage · Vancouver, WA · licensed in 5 states
- Non-QM loan
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 13
Blayney WhiteNMLS 239189
CrossCountry Mortgage · Petaluma, CA · licensed in 12 states
- Non-QM loan
- Real estate investor
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 14
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 15
Danielle YoungNMLS 265241
CrossCountry Mortgage · South Jordan, UT · licensed in 9 states
- Non-QM loan
- Construction loan
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 16
Ubaldo V Leon IIINMLS 304012
CrossCountry Mortgage · Lewisville, TX · licensed in 14 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 17
Wendy RussellNMLS 390282
CrossCountry Mortgage · Ventura, CA · licensed in 4 states
- Non-QM loan
- Condo
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 37 years of experience (lender page, 2026-10-09)
- 18
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Non-QM loan
- Foreign national
- Jumbo loan
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 19
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 20
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
- 21
Jeffrey AronheimNMLS 235233
CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states
- Non-QM loan
- Construction loan
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- 22
Tony GillardNMLS 120989
CrossCountry Mortgage · Portland, OR · licensed in 7 states
- Non-QM loan
- Real estate investor
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 18 years of experience (lender page, 2026-10-09)
- 23
Saran MandhadapuNMLS 2417126
Loan Factory · Mortgage broker · licensed in 10 states
- Non-QM loan
- DSCR loan
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 24
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Non-QM loan
- Down payment assistance
- HELOC
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 25
Jamie DerringerNMLS 1399263
CrossCountry Mortgage · Ann Arbor, MI · licensed in 3 states
- Non-QM loan
- Down payment assistance
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
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 are listed when a AZ license is confirmed with the state regulator (check mark), AZ 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=non-qm&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.