--- canonical_url: https://lendb.ai/s/non-qm/maryland last_verified: 2026-10-09 --- # 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. ## 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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 5, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 30, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 3. **[Andrea Pasco](https://lendb.ai/lo/andrea-pasco-2474115)** (NMLS 2474115), CrossCountry Mortgage, Monkton, MD - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Monkton, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 26, 2024 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-09) 4. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 16, 2021 (Florida), per state regulator 5. **[Irini Lulu](https://lendb.ai/lo/irini-ronen-lulu-482084)** (NMLS 482084), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 28, 2019 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 6. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - 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.](https://lendb.ai/lo/john-csoka-212307)** (NMLS 212307), CrossCountry Mortgage, Fairfax, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 29, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 8. **[Liz McElroy- Filan](https://lendb.ai/lo/elizabeth-mcelroy-659461)** (NMLS 659461), CrossCountry Mortgage, Fairfax, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 13, 2014 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 9. **[Nick Sandoval](https://lendb.ai/lo/nicolas-sandoval-858085)** (NMLS 858085), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 2, 2016 (Florida), per state regulator - States 20 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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2018 (Colorado), per state regulator - 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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 4, 2023 (Florida), per state regulator - 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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 12, 2013 (Colorado), per state regulator - States 35 years of experience (lender page, 2026-10-09) 13. **[Robert Taylor](https://lendb.ai/lo/robert-taylor-132188)** (NMLS 132188), First Home Mortgage, Baltimore, MD - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Baltimore, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 2, 2011 (Florida), per state regulator 14. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 15. **[Patricia Miocic](https://lendb.ai/lo/patricia-miocic-1736087)** (NMLS 1736087), Xpert Home Lending - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 19, 2018 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 16. **[Saran Mandhadapu](https://lendb.ai/lo/saran-mandhadapu-2417126)** (NMLS 2417126), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 19, 2022 (Florida), per state regulator 17. **[Scott Phillips](https://lendb.ai/lo/scott-phillips-181137)** (NMLS 181137), First Heritage Mortgage - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2024 (Florida), per state regulator 18. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 22, 2010 (Florida), per state regulator 19. **[Jennifer Merrick](https://lendb.ai/lo/jennifer-merrick-2063146)** (NMLS 2063146), CrossCountry Mortgage, Dover, DE - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Victoria Kammer](https://lendb.ai/lo/victoria-kammer-414039)** (NMLS 414039), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 6, 2024 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 21. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 27, 2021 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 22. **[Wes Wolfe](https://lendb.ai/lo/wesley-wolfe-1588577)** (NMLS 1588577), CrossCountry Mortgage, North Bethesda, MD - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in North Bethesda, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 10, 2017 (Florida), per state regulator 23. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2018 (Florida), per state regulator - States 13 years of experience (lender page, 2026-10-09) 24. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 24, 2014 (Florida), per state regulator 25. **[Gus Anderson](https://lendb.ai/lo/gustav-anderson-1448809)** (NMLS 1448809), CrossCountry Mortgage, Fairfax, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 8, 2019 (Florida), per state regulator - States 11 years of experience (lender page, 2026-10-09) ## 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/maryland. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._