Loan programs · Minnesota
Non-QM loan officers in Minnesota
As of 2026-10-09, LenDb lists 41 loan officers licensed in or based in Minnesota whose lender pages show Non-QM loan work. The top-ranked are Kelly Nelson (CrossCountry Mortgage, Eden Prairie), Edwin Santiago (CrossCountry Mortgage, Wayne) and Alec Johnson (CrossCountry Mortgage, Maple Grove). Ranking is lender-neutral: specialty evidence first, then a license in MN, 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
Kelly NelsonNMLS 2852313
CrossCountry Mortgage · Eden Prairie, MN
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 15 years experience (stated on lender page, 2026-10-09)
- 2
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 MN (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 3
Alec JohnsonNMLS 273107
CrossCountry Mortgage · Maple Grove, MN
- Non-QM loan
- Jumbo loan
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 18 years experience (stated on lender page, 2026-10-09)
- 4
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 MN (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 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 MN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Candace CagleNMLS 878436
CrossCountry Mortgage · Houston, TX · licensed in 4 states
- Non-QM loan
- First-time buyer
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
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 MN (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 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 MN (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 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 MN (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 10
Matt RipleyNMLS 17006
CrossCountry Mortgage · Bloomington, MN · licensed in 8 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 3 years licensed
- 11
Al RapoportNMLS 60865
CrossCountry Mortgage · Union, NJ · licensed in 8 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 12
Dawson RosenowNMLS 2248516
CrossCountry Mortgage · White Bear Lake, MN · licensed in 3 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 1 years licensed
- 13
Bryan BentleyNMLS 400911
CrossCountry Mortgage · Bloomington, MN · licensed in 5 states
- Non-QM loan
- Construction loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 0 years licensed
- 14
Tony BardawilNMLS 1638874
CrossCountry Mortgage · Cleveland, OH · licensed in 18 states
- Non-QM loan
- Condo
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 15
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 MN (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 16
Chris VolnerNMLS 84706
CrossCountry Mortgage · Bloomington, MN · licensed in 2 states
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- No disciplinary actions on file at LenDb
- 17
Jay TolisanoNMLS 109296
CrossCountry Mortgage · Fairfield, CT · licensed in 22 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 18
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 MN (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 19
Brandon ParkerNMLS 1068831
CrossCountry Mortgage · Acworth, GA · licensed in 10 states
- Non-QM loan
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 20
Greg BleylNMLS 117969
CrossCountry Mortgage · Cleveland, OH · licensed in 19 states
- Non-QM loan
- Down payment assistance
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 21
Broch LassigNMLS 340314
CrossCountry Mortgage · South Jordan, UT · licensed in 16 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 36 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 23
Ivonne SanchezNMLS 230204
CrossCountry Mortgage · Oak Brook, IL · licensed in 4 states
- Non-QM loan
- Real estate investor
- Down payment assistance
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 24
Dillon DamblyNMLS 1665289
CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states
- Non-QM loan
- Construction loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 25
Saran MandhadapuNMLS 2417126
Loan Factory · Mortgage broker · licensed in 10 states
- Non-QM loan
- Real estate investor
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
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 MN or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.