{
  "canonical_url": "https://lendb.ai/s/non-qm/district-of-columbia",
  "summary": "As of 2026-10-09, LenDb lists 24 loan officers licensed in or based in District of Columbia whose lender pages show Non-QM loan work. The top-ranked are Eric Gasper (CrossCountry Mortgage, Mineola), Robert Taylor (First Home Mortgage, Baltimore) and Michael Mizrahi (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "non-qm",
  "state": "DC",
  "total": 24,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "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 DC (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": 2,
      "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 DC (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": 3,
      "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 DC (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": 4,
      "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 DC (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": 5,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 659461,
        "slug": "elizabeth-mcelroy-659461",
        "full_name": "Liz McElroy- Filan",
        "canonical_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461",
        "json_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-3667/elizabeth-mcelroy/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461"
    },
    {
      "rank": 6,
      "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 DC (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": 7,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 185192,
        "slug": "hong-luu-185192",
        "full_name": "Bobby Luu",
        "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
        "json_url": "https://lendb.ai/lo/hong-luu-185192.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NE",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/hong-luu-185192"
    },
    {
      "rank": 8,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 1588577,
        "slug": "wesley-wolfe-1588577",
        "full_name": "Wes Wolfe",
        "canonical_url": "https://lendb.ai/lo/wesley-wolfe-1588577",
        "json_url": "https://lendb.ai/lo/wesley-wolfe-1588577.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "North Bethesda",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/north-bethesda-md-3196/wesley-wolfe/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/wesley-wolfe-1588577"
    },
    {
      "rank": 9,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 139540,
        "slug": "peter-costakos-139540",
        "full_name": "Peter Costakos",
        "canonical_url": "https://lendb.ai/lo/peter-costakos-139540",
        "json_url": "https://lendb.ai/lo/peter-costakos-139540.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Purchase",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "HI",
          "IN",
          "MA",
          "ME",
          "MO",
          "NC",
          "NH",
          "NJ",
          "NY",
          "PA",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/purchase-ny-5606/peter-costakos/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/peter-costakos-139540"
    },
    {
      "rank": 10,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 181137,
        "slug": "scott-phillips-181137",
        "full_name": "Scott Phillips",
        "canonical_url": "https://lendb.ai/lo/scott-phillips-181137",
        "json_url": "https://lendb.ai/lo/scott-phillips-181137.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/scott-phillips/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-phillips-181137"
    },
    {
      "rank": 11,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 659429,
        "slug": "kathryn-hickey-659429",
        "full_name": "Katie Simmons Hickey",
        "canonical_url": "https://lendb.ai/lo/kathryn-hickey-659429",
        "json_url": "https://lendb.ai/lo/kathryn-hickey-659429.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "KY",
          "MD",
          "NC",
          "NJ",
          "NY",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/reston-va-3246/kathryn-hickey/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kathryn-hickey-659429"
    },
    {
      "rank": 12,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 1029249,
        "slug": "susan-heren-1029249",
        "full_name": "Susan Heren",
        "canonical_url": "https://lendb.ai/lo/susan-heren-1029249",
        "json_url": "https://lendb.ai/lo/susan-heren-1029249.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Ann Arbor",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "DC",
          "GA",
          "KY",
          "MI",
          "NC",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/lwalker"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/leon-walker-195551"
    },
    {
      "rank": 24,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 1967263,
        "slug": "eliel-banegas-1967263",
        "full_name": "Eliel Banegas",
        "canonical_url": "https://lendb.ai/lo/eliel-banegas-1967263",
        "json_url": "https://lendb.ai/lo/eliel-banegas-1967263.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Gaithersburg",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/eliel-banegas"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/eliel-banegas-1967263"
    }
  ]
}