{
  "canonical_url": "https://lendb.ai/s/non-qm/delaware",
  "summary": "As of 2026-10-09, LenDb lists 37 loan officers licensed in or based in Delaware whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Eric Gasper (CrossCountry Mortgage, Mineola) and Jennifer Merrick (CrossCountry Mortgage, Dover). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "non-qm",
  "state": "DE",
  "total": 37,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 133618,
        "slug": "edwin-santiago-133618",
        "full_name": "Edwin Santiago",
        "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618",
        "json_url": "https://lendb.ai/lo/edwin-santiago-133618.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "DE",
          "IN",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MS",
          "MT",
          "NC",
          "PA",
          "SC",
          "TN",
          "UT",
          "VA",
          "CA",
          "GA",
          "IL",
          "NJ",
          "NY",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-4431/edwin-santiago/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618"
    },
    {
      "rank": 2,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 175852,
        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
        "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
        "json_url": "https://lendb.ai/lo/eric-gasper-175852.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Mineola",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "CT",
          "DC",
          "DE",
          "IL",
          "MA",
          "ME",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852"
    },
    {
      "rank": 3,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 2063146,
        "slug": "jennifer-merrick-2063146",
        "full_name": "Jennifer Merrick",
        "canonical_url": "https://lendb.ai/lo/jennifer-merrick-2063146",
        "json_url": "https://lendb.ai/lo/jennifer-merrick-2063146.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dover",
          "state": "DE"
        },
        "licensed_states": [
          "DE",
          "MD"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dover-de-3859/jennifer-merrick/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-merrick-2063146"
    },
    {
      "rank": 4,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 899769,
        "slug": "christopher-patille-899769",
        "full_name": "Christopher Patille",
        "canonical_url": "https://lendb.ai/lo/christopher-patille-899769",
        "json_url": "https://lendb.ai/lo/christopher-patille-899769.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wilmington",
          "state": "DE"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "DE",
          "LA",
          "MD",
          "NC",
          "NJ",
          "PA",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-de-6304/christopher-patille/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-patille-899769"
    },
    {
      "rank": 5,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 132188,
        "slug": "robert-taylor-132188",
        "full_name": "Robert Taylor",
        "canonical_url": "https://lendb.ai/lo/robert-taylor-132188",
        "json_url": "https://lendb.ai/lo/robert-taylor-132188.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Baltimore",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/rob-taylor/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-taylor-132188"
    },
    {
      "rank": 6,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1423725,
        "slug": "william-lee-underwood-1423725",
        "full_name": "William Lee Underwood",
        "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725",
        "json_url": "https://lendb.ai/lo/william-lee-underwood-1423725.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "NJ",
          "PA",
          "DE",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 40,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/william-lee-underwood-1423725"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725"
    },
    {
      "rank": 7,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 188831,
        "slug": "michael-mizrahi-188831",
        "full_name": "Michael Mizrahi",
        "canonical_url": "https://lendb.ai/lo/michael-mizrahi-188831",
        "json_url": "https://lendb.ai/lo/michael-mizrahi-188831.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/michael-mizrahi/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-mizrahi-188831"
    },
    {
      "rank": 8,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 1965019,
        "slug": "corinne-spartana-1965019",
        "full_name": "Corinne Spartana",
        "canonical_url": "https://lendb.ai/lo/corinne-spartana-1965019",
        "json_url": "https://lendb.ai/lo/corinne-spartana-1965019.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Towson",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "LA",
          "MD",
          "OH",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 6,
        "lender_profile_url": "https://www.fairway.com/lo/corinne-spartana-1965019"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/corinne-spartana-1965019"
    },
    {
      "rank": 9,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 232248,
        "slug": "michael-cook-232248",
        "full_name": "Mike Cook",
        "canonical_url": "https://lendb.ai/lo/michael-cook-232248",
        "json_url": "https://lendb.ai/lo/michael-cook-232248.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "DE",
          "GA",
          "IA",
          "KY",
          "MN",
          "MO",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OK",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-8062/michael-cook/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-cook-232248"
    },
    {
      "rank": 10,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 686529,
        "slug": "daniel-gjeldum-686529",
        "full_name": "Dan Gjeldum",
        "canonical_url": "https://lendb.ai/lo/daniel-gjeldum-686529",
        "json_url": "https://lendb.ai/lo/daniel-gjeldum-686529.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Hinsdale",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/hinsdale-il-5090/daniel-gjeldum/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DE (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-gjeldum-686529"
    },
    {
      "rank": 11,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 113169,
        "slug": "christopher-winzig-113169",
        "full_name": "Chris Winzig",
        "canonical_url": "https://lendb.ai/lo/christopher-winzig-113169",
        "json_url": "https://lendb.ai/lo/christopher-winzig-113169.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfield",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CT",
          "DE",
          "MA",
          "NJ",
          "NY",
          "PA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfield-ct-5813/christopher-winzig/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-winzig-113169"
    },
    {
      "rank": 12,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 858085,
        "slug": "nicolas-sandoval-858085",
        "full_name": "Nick Sandoval",
        "canonical_url": "https://lendb.ai/lo/nicolas-sandoval-858085",
        "json_url": "https://lendb.ai/lo/nicolas-sandoval-858085.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plymouth Meeting",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-3564/nicolas-sandoval/"
      },
      "reasons": [
        "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"
      ],
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        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-vetri-799863"
    }
  ]
}