--- canonical_url: https://lendb.ai/s/non-qm/delaware last_verified: 2026-10-09 --- # Non-QM loan officers in Delaware As of 2026-10-09, LenDb lists 34 loan officers licensed in or based in Delaware whose lender pages show Non-QM loan work. The top-ranked are William Lee Underwood (Loan Factory), 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. ## Ranked, with reasons 1. **[William Lee Underwood](https://lendb.ai/lo/william-lee-underwood-1423725)** (NMLS 1423725), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 22, 2010 (Colorado), per state regulator 3. **[Jennifer Merrick](https://lendb.ai/lo/jennifer-merrick-2063146)** (NMLS 2063146), CrossCountry Mortgage, Dover, DE - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Dover, DE - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 4. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 16, 2021 (Florida), per state regulator 5. **[Irini Lulu](https://lendb.ai/lo/irini-ronen-lulu-482084)** (NMLS 482084), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 28, 2019 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 6. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 15, 2020 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 7. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 3, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 8. **[Chris Winzig](https://lendb.ai/lo/christopher-winzig-113169)** (NMLS 113169), CrossCountry Mortgage, Fairfield, CT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 6, 2016 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 9. **[Nick Sandoval](https://lendb.ai/lo/nicolas-sandoval-858085)** (NMLS 858085), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 2, 2016 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 10. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 4, 2023 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 11. **[Andrea Pasco](https://lendb.ai/lo/andrea-pasco-2474115)** (NMLS 2474115), CrossCountry Mortgage, Monkton, MD - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 26, 2024 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-09) 12. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 13. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 9, 2007 (Colorado), per state regulator 14. **[Scott Phillips](https://lendb.ai/lo/scott-phillips-181137)** (NMLS 181137), First Heritage Mortgage - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2024 (Florida), per state regulator 15. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 22, 2010 (Florida), per state regulator 16. **[Victoria Kammer](https://lendb.ai/lo/victoria-kammer-414039)** (NMLS 414039), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 6, 2024 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 17. **[Christopher Patille](https://lendb.ai/lo/christopher-patille-899769)** (NMLS 899769), CrossCountry Mortgage, Wilmington, DE - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Wilmington, DE - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2018 (Florida), per state regulator 18. **[Robert Taylor](https://lendb.ai/lo/robert-taylor-132188)** (NMLS 132188), First Home Mortgage, Baltimore, MD - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 2, 2011 (Florida), per state regulator 19. **[Dan Gjeldum](https://lendb.ai/lo/daniel-gjeldum-686529)** (NMLS 686529), CrossCountry Mortgage, Hinsdale, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 24, 2014 (Florida), per state regulator 20. **[Mark Canale](https://lendb.ai/lo/mark-canale-1338355)** (NMLS 1338355), CrossCountry Mortgage, Philadelphia, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 5, 2016 (Florida), per state regulator 21. **[Joe Gonzalez](https://lendb.ai/lo/jose-gonzalez-126036)** (NMLS 126036), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 31, 2017 (Florida), per state regulator 22. **[Kevin Patrick](https://lendb.ai/lo/kevin-patrick-1036946)** (NMLS 1036946), CrossCountry Mortgage, Martinsburg, WV - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2017 (Florida), per state regulator 23. **[Jay Tolisano](https://lendb.ai/lo/jason-tolisano-109296)** (NMLS 109296), CrossCountry Mortgage, Fairfield, CT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 8, 2018 (Florida), per state regulator 24. **[Katie Simmons Hickey](https://lendb.ai/lo/kathryn-hickey-659429)** (NMLS 659429), CrossCountry Mortgage, Reston, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 31, 2017 (Florida), per state regulator 25. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 8, 2025 (Florida), per state regulator - States 5 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/delaware. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._