Loan programs · Kentucky
Non-QM loan officers in Kentucky
As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in Kentucky whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Kristina Hayes (Churchill Mortgage, Irvine). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 3
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 12 years licensed
- 4
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 5
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- 6
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 7
Joshua UlmerNMLS 217794
CrossCountry Mortgage · Tequesta, FL · licensed in 7 states
- Non-QM loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 8
Mike CookNMLS 232248
CrossCountry Mortgage · San Diego, CA · licensed in 23 states
- Non-QM loan
- Jumbo loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 9
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 12 years licensed
- 10
Katelyn WatkinsNMLS 2123084
CrossCountry Mortgage · Lexington, KY
- Non-QM loan
- Down payment assistance
- Real estate investor
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- Branch in Kentucky
- 11
Kevin PatrickNMLS 1036946
CrossCountry Mortgage · Martinsburg, WV · licensed in 14 states
- Non-QM loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 12
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Non-QM loan
- Condo
- Real estate investor
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 13
Tim SmithNMLS 104578
CrossCountry Mortgage · Memphis, TN · licensed in 8 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 14
Kathy JohnsonNMLS 1402120
CrossCountry Mortgage · Houston, TX · licensed in 33 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 15
Katie Simmons HickeyNMLS 659429
CrossCountry Mortgage · Reston, VA · licensed in 16 states
- Non-QM loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 16
Steve CurringtonNMLS 203687
CrossCountry Mortgage · Tulsa, OK · licensed in 24 states
- Non-QM loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 7 years licensed
- 17
Dustin SwigartNMLS 681479
CrossCountry Mortgage · Tampa, FL · licensed in 6 states
- Non-QM loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 7 years licensed
- 18
Susan HerenNMLS 1029249
CrossCountry Mortgage · Ann Arbor, MI · licensed in 13 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 7 years licensed
- 19
Tom LadeNMLS 962607
CrossCountry Mortgage · Columbus, OH · licensed in 10 states
- Non-QM loan
- HELOC
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 20
Lindsey Baab-AkersNMLS 378853
CrossCountry Mortgage · Beavercreek, OH · licensed in 6 states
- Non-QM loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 21
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 22
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- Non-QM loan
- FHA loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 23
Sam McMullenNMLS 1605300
CrossCountry Mortgage · Brentwood, TN · licensed in 15 states
- Non-QM loan
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 24
Chris DraneNMLS 19621
Guild Mortgage · Clarksville, IN · licensed in 5 states
- Non-QM loan
- First-time buyer
- Manufactured home
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 25
Tyler CainNMLS 118156
Embrace Home Loans · Temple Terrace, FL · licensed in 9 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 12 years licensed
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- 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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in KY or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.