---
canonical_url: https://lendb.ai/s/non-qm/colorado
last_verified: 2026-10-09
---

# Non-QM loan officers in Colorado

As of 2026-10-09, LenDb lists 33 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 Nichole Crisanti (CrossCountry Mortgage, Loveland). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100043858), verified 2026-10-09
   - Licensed since 2013 (per Colorado records)
   - States 23 years of experience (lender page, 2026-10-09)
2. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100033589), verified 2026-10-09
   - Licensed since 2010 (per Colorado records)
3. **[Nichole Crisanti](https://lendb.ai/lo/nichole-crisanti-1503218)** (NMLS 1503218), CrossCountry Mortgage, Loveland, CO
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Loveland, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100507210), verified 2026-10-09
   - Licensed since 2017 (per Colorado records)
4. **[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)
   - CO 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)
5. **[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)
   - Office in Greenwood Village, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100014336), verified 2026-10-09
   - Licensed since 2007 (per Colorado records)
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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100513012), verified 2026-10-09
   - Licensed since 2018 (per Colorado records)
7. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100517514), verified 2026-10-09
   - Licensed since 2020 (per Colorado records)
8. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100542517), verified 2026-10-09
   - Licensed since 2021 (per Florida 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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100545639), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
10. **[Glenn Grant](https://lendb.ai/lo/glenn-grant-117776)** (NMLS 117776), CrossCountry Mortgage, Naples, FL
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100523020), verified 2026-10-09
   - Licensed since 2017 (per Florida records)
   - States 38 years of experience (lender page, 2026-10-09)
11. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100538499), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
12. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100523788), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
13. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100512347), verified 2026-10-09
   - Licensed since 2018 (per Colorado records)
   - States 20 years of experience (lender page, 2026-10-09)
14. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100537841), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
15. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100046512), verified 2026-10-09
   - Licensed since 2013 (per Colorado records)
   - States 35 years of experience (lender page, 2026-10-09)
16. **[Tony Dinh](https://lendb.ai/lo/tony-dinh-281092)** (NMLS 281092), Loan Factory, Houston, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100010549), verified 2026-10-09
   - Licensed since 2006 (per Colorado records)
17. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100539011), verified 2026-10-09
   - Licensed since 2010 (per Florida records)
18. **[Cormac Reidy-Taylor](https://lendb.ai/lo/cormac-reidy-taylor-2260426)** (NMLS 2260426), CrossCountry Mortgage, Eugene, OR
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100545891), verified 2026-10-09
   - Licensed since 2026 (per Colorado records)
19. **[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)
   - CO 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)
20. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - CO 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)
21. **[Ricardo Pacheco](https://lendb.ai/lo/ricardo-pacheco-454956)** (NMLS 454956), CrossCountry Mortgage, Charlotte, NC
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 22 years of experience (lender page, 2026-10-09)
22. **[Josh Patrick](https://lendb.ai/lo/josh-patrick-667835)** (NMLS 667835), CrossCountry Mortgage, Newport Beach, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - CO 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)
23. **[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)
   - CO 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)
24. **[Marie-Lynn Dunn](https://lendb.ai/lo/marie-lynn-dunn-1119271)** (NMLS 1119271), CrossCountry Mortgage, Austin, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100535277), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 14 years of experience (lender page, 2026-10-09)
25. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100539358), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
   - States 13 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/colorado.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._