LenDb.ai

Loan programs · Arkansas

Non-QM loan officers in Arkansas

As of 2026-10-09, LenDb lists 36 loan officers licensed in or based in Arkansas whose lender pages show Non-QM loan work. The top-ranked are John Nguyen (Guild Mortgage, Boca Raton), Gail Hillman (CrossCountry Mortgage, Bentonville) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in AR, 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. 1

    John NguyenNMLS 389742

    Guild Mortgage · Boca Raton, FL · licensed in 21 states

    • Non-QM loan
    • 1099 income
    • Bank statement loan
    • DSCR loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Gail HillmanNMLS 312734

    CrossCountry Mortgage · Bentonville, AR · licensed in 4 states

    • Non-QM loan
    • USDA loan
    • VA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • Branch in Arkansas
    • 15 years experience (stated on lender page, 2026-10-09)
  3. 3

    Joe MagallanesNMLS 491678

    CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states

    • Non-QM loan
    • Jumbo loan
    • Real estate investor
    • Self-employed
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  4. 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 AR (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  5. 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 AR (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Andy TuttleNMLS 184325

    CrossCountry Mortgage · Dallas, TX · licensed in 5 states

    • Non-QM loan
    • Real estate investor
    • Self-employed
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Kim JonesNMLS 324221

    CrossCountry Mortgage · Houston, TX · licensed in 5 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 AR (listed on lender page, verified 2026-10-09)
    • 44 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Candace CagleNMLS 878436

    CrossCountry Mortgage · Houston, TX · licensed in 4 states

    • Non-QM loan
    • First-time buyer
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (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
  9. 9

    Ryan AshfordNMLS 1833458

    CrossCountry Mortgage · Winter Park, FL · licensed in 5 states

    • Non-QM loan
    • FHA loan
    • Jumbo loan
    • Self-employed
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    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 AR (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Erika AlvesNMLS 659544

    CrossCountry Mortgage · Tampa, FL · licensed in 4 states

    • Non-QM loan
    • Construction loan
    • FHA loan
    • USDA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Melanie HennNMLS 206264

    Fairway Independent Mortgage Corporation · Colorado Springs, CO · licensed in 3 states

    • Non-QM loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    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 AR (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    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 AR (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    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 AR (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Peter CostakosNMLS 139540

    CrossCountry Mortgage · Purchase, NY · licensed in 25 states

    • Non-QM loan
    • Jumbo loan
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    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 AR (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Xiaolan ZhuNMLS 2180005

    Loan Factory · Mortgage broker · licensed in 7 states

    • Non-QM loan
    • FHA loan
    • HELOC
    • Jumbo loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Steve CurringtonNMLS 203687

    CrossCountry Mortgage · Tulsa, OK · licensed in 24 states

    • Non-QM loan
    • VA loan
    • FHA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Lisa WheelerNMLS 250774

    Embrace Home Loans · Tampa, FL · licensed in 5 states

    • Non-QM loan
    • 1099 income
    • Bank statement loan
    • Down payment assistance
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Jordan HeatherlyNMLS 1312244

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • Non-QM loan
    • FHA loan
    • Real estate investor
    • Self-employed
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Sam McMullenNMLS 1605300

    CrossCountry Mortgage · Brentwood, TN · licensed in 15 states

    • Non-QM loan
    • VA loan
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Jerry SundtNMLS 168111

    CrossCountry Mortgage · Tucson, AZ · licensed in 36 states

    • Non-QM loan
    • Jumbo loan
    • Real estate investor
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Josh OsborneNMLS 473258

    CrossCountry Mortgage · Sioux Falls, SD · licensed in 14 states

    • Non-QM loan
    • Real estate investor
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Jonathan SalinasNMLS 2451140

    CrossCountry Mortgage · Memphis, TN · licensed in 6 states

    • Non-QM loan
    • Down payment assistance
    • DSCR loan
    • ITIN borrower
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AR (listed on lender page, verified 2026-10-09)
    • 3 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?

More about Non-QM loan

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 AR 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=AR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.