--- canonical_url: https://lendb.ai/s/non-qm/kentucky last_verified: 2026-10-09 --- # Non-QM loan officers in Kentucky As of 2026-10-09, LenDb lists 37 loan officers licensed in or based in Kentucky whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Karen Chiu (CrossCountry Mortgage, San Gabriel) and Chris Drane (Guild Mortgage, Clarksville). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 3. **[Chris Drane](https://lendb.ai/lo/christopher-drane-19621)** (NMLS 19621), Guild Mortgage, Clarksville, IN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Patrick Stoy](https://lendb.ai/lo/patrick-stoy-39527)** (NMLS 39527), CrossCountry Mortgage, Wilmington, NC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Shawn Kaplan](https://lendb.ai/lo/shawn-kaplan-184641)** (NMLS 184641), CrossCountry Mortgage, Franklin, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 7. **[Lindsey Baab-Akers](https://lendb.ai/lo/lindsey-baab-akers-378853)** (NMLS 378853), CrossCountry Mortgage, Beavercreek, OH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 8. **[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) - KY 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) 9. **[Dustin Swigart](https://lendb.ai/lo/dustin-swigart-681479)** (NMLS 681479), CrossCountry Mortgage, Tampa, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[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) - KY 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) 11. **[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) - KY 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) 12. **[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) - KY 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) 13. **[Rick Lindsay](https://lendb.ai/lo/richard-lindsay-1085250)** (NMLS 1085250), CrossCountry Mortgage, Dardenne Prairie, MO - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 14. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 15. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 16. **[Joshua Ulmer](https://lendb.ai/lo/joshua-ulmer-217794)** (NMLS 217794), CrossCountry Mortgage, Tequesta, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 17. **[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) - KY 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) 18. **[Sam McMullen](https://lendb.ai/lo/samuel-mcmullen-1605300)** (NMLS 1605300), CrossCountry Mortgage, Brentwood, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 19. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 20. **[Kevin Patrick](https://lendb.ai/lo/kevin-patrick-1036946)** (NMLS 1036946), CrossCountry Mortgage, Martinsburg, WV - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 21. **[Tim Smith](https://lendb.ai/lo/tim-smith-104578)** (NMLS 104578), CrossCountry Mortgage, Memphis, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 22. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 23. **[Katie Simmons Hickey](https://lendb.ai/lo/kathryn-hickey-659429)** (NMLS 659429), CrossCountry Mortgage, Reston, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 24. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 25. **[Susan Heren](https://lendb.ai/lo/susan-heren-1029249)** (NMLS 1029249), CrossCountry Mortgage, Ann Arbor, MI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (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/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._