---
canonical_url: https://lendb.ai/s/non-qm/hawaii
last_verified: 2026-10-09
---

# Non-QM loan officers in Hawaii

As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in Hawaii whose lender pages show Non-QM loan work. The top-ranked are Charles Toll (CrossCountry Mortgage, San Juan Capistrano), Blayney White (CrossCountry Mortgage, Petaluma) and Ubaldo V Leon III (CrossCountry Mortgage, Lewisville). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
2. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
3. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
4. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
   - States 20 years of experience (lender page, 2026-10-09)
5. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
6. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2007 (per Colorado records)
7. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2010 (per Florida records)
8. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
9. **[Damon Blackwell](https://lendb.ai/lo/damon-blackwell-1812775)** (NMLS 1812775), CrossCountry Mortgage, Henderson, NV
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
10. **[Ryan Buckholdt](https://lendb.ai/lo/ryan-buckholdt-319442)** (NMLS 319442), CrossCountry Mortgage, Santa Cruz, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
11. **[Danny Waddell](https://lendb.ai/lo/daniel-waddell-1965113)** (NMLS 1965113), CrossCountry Mortgage, Palos Verdes Estates, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
12. **[Rosa Briggs](https://lendb.ai/lo/rosa-briggs-117032)** (NMLS 117032), CrossCountry Mortgage, Snohomish, WA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
13. **[Monica Jones](https://lendb.ai/lo/monica-jones-290779)** (NMLS 290779), CrossCountry Mortgage, Benicia, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)

## 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/hawaii.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._