--- canonical_url: https://lendb.ai/s/non-qm/arkansas last_verified: 2026-10-09 --- # Non-QM loan officers in Arkansas As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Arkansas whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Karen Chiu (CrossCountry Mortgage, San Gabriel) and Gail Hillman (CrossCountry Mortgage, Bentonville). Ranking is lender-neutral: specialty evidence first, then a license in AR, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - AR 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) 2. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 3. **[Gail Hillman](https://lendb.ai/lo/gail-hillman-312734)** (NMLS 312734), CrossCountry Mortgage, Bentonville, AR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 4. **[Kim Jones](https://lendb.ai/lo/kim-jones-324221)** (NMLS 324221), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 44 years of experience (lender page, 2026-10-09) 5. **[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) - AR 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) 6. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR 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) 7. **[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) - AR 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) 8. **[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) - AR 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) 9. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 10. **[Erika Alves](https://lendb.ai/lo/erika-alves-659544)** (NMLS 659544), CrossCountry Mortgage, Tampa, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 11. **[Andy Tuttle](https://lendb.ai/lo/jonathan-tuttle-184325)** (NMLS 184325), CrossCountry Mortgage, Dallas, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 12. **[Michael Mizrahi](https://lendb.ai/lo/michael-mizrahi-188831)** (NMLS 188831), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 13. **[John Markman](https://lendb.ai/lo/john-markman-1660491)** (NMLS 1660491), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR 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) 14. **[Ryan Ashford](https://lendb.ai/lo/ryan-ashford-1833458)** (NMLS 1833458), CrossCountry Mortgage, Winter Park, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 15. **[Brent Schreurs](https://lendb.ai/lo/brent-schreurs-212462)** (NMLS 212462), CrossCountry Mortgage, Tequesta, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 16. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 17. **[Sam McMullen](https://lendb.ai/lo/samuel-mcmullen-1605300)** (NMLS 1605300), CrossCountry Mortgage, Brentwood, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 18. **[Dan Gjeldum](https://lendb.ai/lo/daniel-gjeldum-686529)** (NMLS 686529), CrossCountry Mortgage, Hinsdale, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 19. **[Frank Sanchez](https://lendb.ai/lo/francisco-sanchez-2290099)** (NMLS 2290099), Barrett Financial Group, Katy, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 20. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 21. **[Tim Smith](https://lendb.ai/lo/tim-smith-104578)** (NMLS 104578), CrossCountry Mortgage, Memphis, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 22. **[Kathy Johnson](https://lendb.ai/lo/kathy-johnson-1402120)** (NMLS 1402120), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 23. **[Steve Currington](https://lendb.ai/lo/stephen-currington-203687)** (NMLS 203687), CrossCountry Mortgage, Tulsa, OK - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 24. **[Chris Davis](https://lendb.ai/lo/chris-davis-419433)** (NMLS 419433), CrossCountry Mortgage, Bentonville, AR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 5 years of experience (lender page, 2026-10-09) ## 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/arkansas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._