--- canonical_url: https://lendb.ai/s/non-qm/iowa last_verified: 2026-10-09 --- # Non-QM loan officers in Iowa As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Iowa whose lender pages show Non-QM loan work. The top-ranked are Josh Patrick (CrossCountry Mortgage, Newport Beach), Sarena Talbert (CrossCountry Mortgage, Newport Beach) and Kristina Hayes (Churchill Mortgage, Irvine). Ranking is lender-neutral: specialty evidence first, then a license in IA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Josh Patrick](https://lendb.ai/lo/josh-patrick-667835)** (NMLS 667835), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 2. **[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) - IA 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) 3. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 35 years of experience (lender page, 2026-10-09) 4. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 5. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 6. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 7. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 8. **[Frank Sanchez](https://lendb.ai/lo/francisco-sanchez-2290099)** (NMLS 2290099), Barrett Financial Group, Katy, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 9. **[Juan Agustin Fleitas](https://lendb.ai/lo/juan-fleitas-219823)** (NMLS 219823), CrossCountry Mortgage, Berwyn, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 10. **[Michael Freeman](https://lendb.ai/lo/michael-freeman-237263)** (NMLS 237263), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 11. **[Kathy Johnson](https://lendb.ai/lo/kathy-johnson-1402120)** (NMLS 1402120), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[Steve Currington](https://lendb.ai/lo/stephen-currington-203687)** (NMLS 203687), CrossCountry Mortgage, Tulsa, OK - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 13. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 5 years of experience (lender page, 2026-10-09) 14. **[Mike Cook](https://lendb.ai/lo/michael-cook-232248)** (NMLS 232248), CrossCountry Mortgage, San Diego, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 15. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 16. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 17. **[Matt Ripley](https://lendb.ai/lo/matt-ripley-17006)** (NMLS 17006), CrossCountry Mortgage, Bloomington, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 18. **[Bruce Biggers](https://lendb.ai/lo/bruce-biggers-227665)** (NMLS 227665), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 19. **[Bryan Bentley](https://lendb.ai/lo/bryan-bentley-400911)** (NMLS 400911), CrossCountry Mortgage, Bloomington, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 20. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 21. **[Josh Osborne](https://lendb.ai/lo/joshua-osborne-473258)** (NMLS 473258), CrossCountry Mortgage, Sioux Falls, SD - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 22. **[Caleb Salazar](https://lendb.ai/lo/caleb-salazar-2287761)** (NMLS 2287761), CrossCountry Mortgage, Tucson, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Billy Abdallah](https://lendb.ai/lo/billy-abdallah-1579598)** (NMLS 1579598), Lit Financial Corporation - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (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/iowa. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._