Loan programs · California
Non-QM loan officers in California
As of 2026-10-09, LenDb lists 149 loan officers licensed in or based in California 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 Kathy Cole (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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
- CA 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 Santa Maria, CA
- 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
- CA 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 Newport Beach, CA
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Kathy ColeNMLS 1116055
Loan Factory · Mortgage broker · California
- Non-QM loan
- Real estate investor
- CA 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 California
- States 39 years of experience (lender page, 2026-10-09)
- 4
Steve LeeNMLS 272302
CrossCountry Mortgage · Henderson, NV · licensed in 2 states
- Non-QM loan
- FHA loan
- Jumbo loan
- VA loan
- CA 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 2024 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 5
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Self-employed
- CA 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 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Keith AllenNMLS 198190
Loan Factory · Mortgage broker · licensed in 3 states
- Non-QM loan
- DSCR loan
- Jumbo loan
- Real estate investor
- CA 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)
- States 33 years of experience (lender page, 2026-10-09)
- 7
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- CA 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 2010 (per Colorado records)
- 8
Scott HazardNMLS 30883
Embrace Home Loans · Jamestown, RI · licensed in 8 states
- Non-QM loan
- Jumbo loan
- CA 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 2011 (per Florida records)
- 9
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- CA 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 San Juan Capistrano, CA
- Licensed since 2018 (per Colorado records)
- 10
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- CA 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 San Gabriel, CA
- Licensed since 2020 (per Colorado records)
- 11
Blayney WhiteNMLS 239189
CrossCountry Mortgage · Petaluma, CA · licensed in 12 states
- Non-QM loan
- Real estate investor
- First-time buyer
- CA 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 Petaluma, CA
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 12
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- CA 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 Newport Beach, CA
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Robert SaberiNMLS 377663
CrossCountry Mortgage · Benicia, CA
- Non-QM loan
- Construction loan
- Jumbo loan
- Real estate investor
- CA 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 Benicia, CA
- States 20 years of experience (lender page, 2026-10-09)
- 14
Wendy RussellNMLS 390282
CrossCountry Mortgage · Ventura, CA · licensed in 4 states
- Non-QM loan
- Condo
- Jumbo loan
- CA 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 Ventura, CA
- Licensed since 2022 (per Florida records)
- States 37 years of experience (lender page, 2026-10-09)
- 15
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- CA 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 Newport Beach, CA
- States 20 years of experience (lender page, 2026-10-09)
- 16
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- CA 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 Newport Beach, CA
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 17
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- CA 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 Irvine, CA
- Licensed since 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
- 18
Brian SciuttoNMLS 240192
CrossCountry Mortgage · San Diego, CA
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- CA 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 San Diego, CA
- 19
Ali GhazianiNMLS 300913
CrossCountry Mortgage · Walnut Creek, CA
- Non-QM loan
- Jumbo loan
- CA 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 Walnut Creek, CA
- 20
Khadija MirzaNMLS 398414
CrossCountry Mortgage · Walnut Creek, CA
- Non-QM loan
- Self-employed
- Jumbo loan
- Real estate investor
- CA 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 Walnut Creek, CA
- 21
Irini LuluNMLS 482084
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 8 states
- Non-QM loan
- Construction loan
- Real estate investor
- CA 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 25 years of experience (lender page, 2026-10-09)
- 22
Nadia RaknaiNMLS 484350
CrossCountry Mortgage · Seattle, WA · licensed in 4 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- VA loan
- CA 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)
- States 28 years of experience (lender page, 2026-10-09)
- 23
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- CA 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)
- 24
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Non-QM loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- CA 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 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 25
Glenn GrantNMLS 117776
CrossCountry Mortgage · Naples, FL · licensed in 5 states
- Non-QM loan
- Reverse mortgage
- Real estate investor
- CA 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 2017 (per Florida records)
- States 38 years of experience (lender page, 2026-10-09)
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 CA license is confirmed with the state regulator (check mark), CA 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=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.