Loan programs · Maryland
Non-QM loan officers in Maryland
As of 2026-10-09, LenDb lists 57 loan officers licensed in or based in Maryland whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Bobby Luu (American Pacific Mortgage, Reston) and Andrea Pasco (CrossCountry Mortgage, Monkton). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: September 5, 2023 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 2
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 30, 2022 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 3
Andrea PascoNMLS 2474115
CrossCountry Mortgage · Monkton, MD · licensed in 4 states
- Non-QM loan
- First-time buyer
- HELOC
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Monkton, MD
- Earliest state license record: December 26, 2024 (Florida), per state regulator
- States 27 years of experience (lender page, 2026-10-09)
- 4
Shannon OdomNMLS 509649
LeaderOne Financial · Bangor, ME · licensed in 13 states
- Non-QM loan
- FHA loan
- USDA loan
- VA loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 16, 2021 (Florida), per state regulator
- 5
Irini LuluNMLS 482084
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 8 states
- Non-QM loan
- Construction loan
- Real estate investor
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 28, 2019 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 6
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 15, 2020 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-09)
- 7
John Csoka Jr.NMLS 212307
CrossCountry Mortgage · Fairfax, VA · licensed in 3 states
- Non-QM loan
- FHA loan
- VA loan
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: March 29, 2022 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 8
Liz McElroy- FilanNMLS 659461
CrossCountry Mortgage · Fairfax, VA · licensed in 4 states
- Non-QM loan
- Self-employed
- Down payment assistance
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: May 13, 2014 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 9
Nick SandovalNMLS 858085
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 5 states
- Non-QM loan
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: March 2, 2016 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 10
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: September 11, 2018 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 11
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: December 4, 2023 (Florida), per state regulator
- States 28 years of experience (lender page, 2026-10-09)
- 12
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: September 12, 2013 (Colorado), per state regulator
- States 35 years of experience (lender page, 2026-10-09)
- 13
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- Non-QM loan
- FHA loan
- VA loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Baltimore, MD
- Earliest state license record: April 2, 2011 (Florida), per state regulator
- 14
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 36 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: July 14, 2007 (Colorado), per state regulator
- 15
Patricia MiocicNMLS 1736087
Xpert Home Lending · Mortgage broker · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 19, 2018 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 16
Saran MandhadapuNMLS 2417126
Loan Factory · Mortgage broker · licensed in 10 states
- Non-QM loan
- DSCR loan
- Real estate investor
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: December 19, 2022 (Florida), per state regulator
- 17
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- Non-QM loan
- New construction
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: March 1, 2024 (Florida), per state regulator
- 18
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 22, 2010 (Florida), per state regulator
- 19
Jennifer MerrickNMLS 2063146
CrossCountry Mortgage · Dover, DE · licensed in 2 states
- Non-QM loan
- FHA loan
- New construction
- Construction loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- 20
Victoria KammerNMLS 414039
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 5 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: February 6, 2024 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-09)
- 21
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Non-QM loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 27, 2021 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-09)
- 22
Wes WolfeNMLS 1588577
CrossCountry Mortgage · North Bethesda, MD · licensed in 6 states
- Non-QM loan
- First-time buyer
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in North Bethesda, MD
- Earliest state license record: April 10, 2017 (Florida), per state regulator
- 23
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Non-QM loan
- Condo
- Real estate investor
- Jumbo loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 1, 2018 (Florida), per state regulator
- States 13 years of experience (lender page, 2026-10-09)
- 24
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: July 24, 2014 (Florida), per state regulator
- 25
Gus AndersonNMLS 1448809
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Non-QM loan
- Down payment assistance
- VA loan
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 8, 2019 (Florida), per state regulator
- States 11 years of experience (lender page, 2026-10-09)
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 are listed when a MD license is confirmed with the state regulator (check mark), MD is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.