Loan programs · Colorado
Non-QM loan officers in Colorado
As of 2026-10-09, LenDb lists 46 loan officers licensed in or based in Colorado whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Eric Gasper (CrossCountry Mortgage, Mineola) and John Harfert (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in CO, 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
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- 2
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- 3
John HarfertNMLS 300911
Loan Factory · Mortgage broker · Colorado
- Non-QM loan
- FHA loan
- First-time buyer
- Reverse mortgage
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 24 years experience (stated on lender page, 2026-10-09)
- 4
Nichole CrisantiNMLS 1503218
CrossCountry Mortgage · Loveland, CO · licensed in 4 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 5
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 CO (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 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
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 5 years licensed
- 7
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 CO (state license, verified 2026-10-09)
- 12 years licensed
- 8
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 CO (state license, verified 2026-10-09)
- 3 years licensed
- 9
Brandon BrieseNMLS 219467
NFM Lending · Littleton, CO
- Non-QM loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 23 years experience (stated on lender page, 2026-10-09)
- 10
Timothy McGintyNMLS 1443050
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- Non-QM loan
- FHA loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 11
Levi PollackNMLS 1749086
American Pacific Mortgage · Westminster, CO · licensed in 3 states
- Non-QM loan
- Down payment assistance
- First-time buyer
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 12
Ricardo PachecoNMLS 454956
CrossCountry Mortgage · Charlotte, NC · licensed in 3 states
- Non-QM loan
- VA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- 13
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- 14
Dave BurnessNMLS 1322576
CrossCountry Mortgage · Cedar Park, TX · licensed in 4 states
- Non-QM loan
- FHA loan
- VA loan
- Condo
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 15
Cormac Reidy-TaylorNMLS 2260426
CrossCountry Mortgage · Eugene, OR · licensed in 2 states
- Non-QM loan
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 16
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 CO (state license, verified 2026-10-09)
- 15 years licensed
- 17
Glenn GrantNMLS 117776
CrossCountry Mortgage · Naples, FL · licensed in 5 states
- Non-QM loan
- Reverse mortgage
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 14 years licensed
- 18
David CrammNMLS 565968
Xpert Home Lending · Mortgage broker · Colorado
- Non-QM loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 4 years licensed
- 19
Taylor GutierrezNMLS 2137813
NFM Lending · Colorado Springs, CO
- Non-QM loan
- Self-employed
- VA loan
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 5 years experience (stated on lender page, 2026-10-09)
- 20
Jeffrey AronheimNMLS 235233
CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states
- Non-QM loan
- Construction loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 3 years licensed
- 21
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 CO (listed on lender page, verified 2026-10-09)
- 12 years licensed
- 22
Christopher PatilleNMLS 899769
CrossCountry Mortgage · Wilmington, DE · licensed in 12 states
- Non-QM loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 12 years licensed
- 23
Jimmy WebberNMLS 1277615
LeaderOne Financial · Oak Brook, IL · licensed in 11 states
- Non-QM loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 10 years licensed
- 24
Cody KincaidNMLS 2762410
CrossCountry Mortgage · Loveland, CO
- Non-QM loan
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 25
Rodney MasonNMLS 151088
CrossCountry Mortgage · Atlanta, GA · licensed in 11 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 9 years licensed
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 must be licensed in CO or have a branch there. Then branch location, years licensed 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=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.