--- canonical_url: https://lendb.ai/s/non-qm/arizona last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Cyndi Natalie Nunez](https://lendb.ai/lo/cyndi-nunez-255666)** (NMLS 255666), Guild Mortgage, Santa Maria, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 2. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 4. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Gilbert, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 5. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 7. **[Lizy Hoeffer](https://lendb.ai/lo/lizy-hoeffer-260183)** (NMLS 260183), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 8. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 9. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 10. **[Erika Slayton](https://lendb.ai/lo/erika-slayton-76823)** (NMLS 76823), CrossCountry Mortgage, San Antonio, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 31 years of experience (lender page, 2026-10-09) 11. **[Steph Noble](https://lendb.ai/lo/steph-noble-129002)** (NMLS 129002), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 12. **[Keely Matteo](https://lendb.ai/lo/keely-matteo-134942)** (NMLS 134942), CrossCountry Mortgage, Vancouver, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ 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) 13. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 14. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 15. **[Danielle Young](https://lendb.ai/lo/danielle-young-265241)** (NMLS 265241), CrossCountry Mortgage, South Jordan, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ 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) 16. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 17. **[Wendy Russell](https://lendb.ai/lo/wendy-russell-390282)** (NMLS 390282), CrossCountry Mortgage, Ventura, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 37 years of experience (lender page, 2026-10-09) 18. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 20. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 35 years of experience (lender page, 2026-10-09) 21. **[Jeffrey Aronheim](https://lendb.ai/lo/jeffrey-aronheim-235233)** (NMLS 235233), CrossCountry Mortgage, Greenwood Village, CO - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 22. **[Tony Gillard](https://lendb.ai/lo/tony-gillard-120989)** (NMLS 120989), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ 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) 23. **[Saran Mandhadapu](https://lendb.ai/lo/saran-mandhadapu-2417126)** (NMLS 2417126), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 24. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 25. **[Jamie Derringer](https://lendb.ai/lo/jameson-derringer-1399263)** (NMLS 1399263), CrossCountry Mortgage, Ann Arbor, MI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/non-qm/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._