{
  "canonical_url": "https://lendb.ai/s/non-qm/georgia",
  "summary": "As of 2026-10-09, LenDb lists 133 loan officers licensed in or based in Georgia whose lender pages show Non-QM loan work. The top-ranked are Richard Staley (CrossCountry Mortgage, Alpharetta), Edwin Santiago (CrossCountry Mortgage, Wayne) and Jake Healy (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in GA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "non-qm",
  "state": "GA",
  "total": 133,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.3,
      "loan_officer": {
        "nmls_id": 185131,
        "slug": "richard-staley-185131",
        "full_name": "Richard Staley",
        "canonical_url": "https://lendb.ai/lo/richard-staley-185131",
        "json_url": "https://lendb.ai/lo/richard-staley-185131.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/alpharetta-ga-4742/richard-staley/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-staley-185131"
    },
    {
      "rank": 2,
      "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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618"
    },
    {
      "rank": 3,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 1028904,
        "slug": "john-healy-1028904",
        "full_name": "Jake Healy",
        "canonical_url": "https://lendb.ai/lo/john-healy-1028904",
        "json_url": "https://lendb.ai/lo/john-healy-1028904.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",
          "CT",
          "GA",
          "MA",
          "NJ",
          "NY",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/john-healy/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "13 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/john-healy-1028904"
    },
    {
      "rank": 4,
      "score": 56.3,
      "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": [
          "PA",
          "DE",
          "GA",
          "NJ"
        ],
        "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "40 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725"
    },
    {
      "rank": 5,
      "score": 56,
      "loan_officer": {
        "nmls_id": 1568980,
        "slug": "soraya-torres-1568980",
        "full_name": "Soraya Torres",
        "canonical_url": "https://lendb.ai/lo/soraya-torres-1568980",
        "json_url": "https://lendb.ai/lo/soraya-torres-1568980.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Duluth",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/duluth-ga-3965/soraya-torres/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "4 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/soraya-torres-1568980"
    },
    {
      "rank": 6,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 200651,
        "slug": "sandra-smith-200651",
        "full_name": "Sandra Smith",
        "canonical_url": "https://lendb.ai/lo/sandra-smith-200651",
        "json_url": "https://lendb.ai/lo/sandra-smith-200651.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/alpharetta-ga-4747/sandra-smith/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-smith-200651"
    },
    {
      "rank": 7,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 190264,
        "slug": "tammy-frith-190264",
        "full_name": "Tammy Frith",
        "canonical_url": "https://lendb.ai/lo/tammy-frith-190264",
        "json_url": "https://lendb.ai/lo/tammy-frith-190264.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Destin",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/tammy-frith/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/tammy-frith-190264"
    },
    {
      "rank": 8,
      "score": 53,
      "loan_officer": {
        "nmls_id": 1090092,
        "slug": "sean-frith-1090092",
        "full_name": "Sean Frith",
        "canonical_url": "https://lendb.ai/lo/sean-frith-1090092",
        "json_url": "https://lendb.ai/lo/sean-frith-1090092.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Destin",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "OH",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/sean-frith/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/sean-frith-1090092"
    },
    {
      "rank": 9,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "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"
          }
        ],
        "years_licensed": 5,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678"
    },
    {
      "rank": 10,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1783114,
        "slug": "charles-toll-1783114",
        "full_name": "Charles Toll",
        "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
        "json_url": "https://lendb.ai/lo/charles-toll-1783114.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MT",
          "NM",
          "NV",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-toll-1783114"
    },
    {
      "rank": 11,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1057175,
        "slug": "kristina-hayes-1057175",
        "full_name": "Kristina Hayes",
        "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
        "json_url": "https://lendb.ai/lo/kristina-hayes-1057175.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "12 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175"
    },
    {
      "rank": 12,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 151088,
        "slug": "rodney-mason-151088",
        "full_name": "Rodney Mason",
        "canonical_url": "https://lendb.ai/lo/rodney-mason-151088",
        "json_url": "https://lendb.ai/lo/rodney-mason-151088.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Atlanta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "CA",
          "GA",
          "IN",
          "MI",
          "NC",
          "SC",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/atlanta-ga-4578/rodney-mason/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/rodney-mason-151088"
    },
    {
      "rank": 13,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 611778,
        "slug": "karen-chiu-611778",
        "full_name": "Karen Chiu",
        "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Gabriel",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
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      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087"
    }
  ]
}