Loan programs · Delaware
Non-QM loan officers in Delaware
As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Delaware whose lender pages show Non-QM loan work. The top-ranked are Robert Taylor (First Home Mortgage, Baltimore), William Lee Underwood (Loan Factory) and Edwin Santiago (Fairway Independent Mortgage Corporation, Wayne). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 2
William Lee UnderwoodNMLS 1423725
Loan Factory · licensed in 4 states
- Non-QM loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 40 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Edwin SantiagoNMLS 133618
Fairway Independent Mortgage Corporation · Wayne, PA · licensed in 17 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 DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 4
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 DE (listed on lender page, verified 2026-10-09)
- Branch in Delaware
- 12 years licensed
- 5
Shannon OdomNMLS 509649
LeaderOne Financial · Bangor, ME · licensed in 13 states
- Non-QM loan
- FHA loan
- USDA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 6
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- Non-QM loan
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 7
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 DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 8
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- Non-QM loan
- First-time buyer
- FHA loan
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 9
Mike CookNMLS 232248
CrossCountry Mortgage · San Diego, CA · licensed in 23 states
- Non-QM loan
- Jumbo loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Chris WinzigNMLS 113169
CrossCountry Mortgage · Fairfield, CT · licensed in 8 states
- Non-QM loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 11
Nick SandovalNMLS 858085
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 5 states
- Non-QM loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 12
Mark CanaleNMLS 1338355
CrossCountry Mortgage · Philadelphia, PA · licensed in 3 states
- Non-QM loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 13
Joe GonzalezNMLS 126036
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 6 states
- Non-QM loan
- USDA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 14
Brad ZerbeNMLS 161236
NFM Lending · Haddonfield, NJ · licensed in 7 states
- Non-QM loan
- Construction loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 15
Kevin PatrickNMLS 1036946
CrossCountry Mortgage · Martinsburg, WV · licensed in 14 states
- Non-QM loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 16
Jay TolisanoNMLS 109296
CrossCountry Mortgage · Fairfield, CT · licensed in 22 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 17
Frederick LahmNMLS 205717
Princeton Mortgage · Ewing, NJ · licensed in 6 states
- Non-QM loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 18
Katie Simmons HickeyNMLS 659429
CrossCountry Mortgage · Reston, VA · licensed in 16 states
- Non-QM loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 19
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 20
Jennifer MerrickNMLS 2063146
CrossCountry Mortgage · Dover, DE
- Non-QM loan
- FHA loan
- New construction
- Construction loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Branch in Delaware; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 21
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Non-QM loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Michael Vetri Jr.NMLS 799863
CrossCountry Mortgage · Chadds Ford, PA · licensed in 8 states
- Non-QM loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 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 DE (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 24
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 DE (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 25
Lindsay Simmons BealeNMLS 510004
CrossCountry Mortgage · Reston, VA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 4 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?
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 DE 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=DE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.