--- canonical_url: https://lendb.ai/s/non-qm/minnesota last_verified: 2026-10-09 --- # Non-QM loan officers in Minnesota As of 2026-10-09, LenDb lists 36 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. ## Ranked, with reasons 1. **[Kelly Nelson](https://lendb.ai/lo/kelly-nelson-2852313)** (NMLS 2852313), CrossCountry Mortgage, Eden Prairie, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Eden Prairie, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 2. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 3. **[Alec Johnson](https://lendb.ai/lo/alec-johnson-273107)** (NMLS 273107), CrossCountry Mortgage, Maple Grove, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Maple Grove, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 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) - MN 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. **[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) - MN 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) 6. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN 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) 7. **[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) - MN 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) 8. **[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) - MN 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) 9. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 10. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 11. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 12. **[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) - MN 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) 13. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 14. **[Al Rapoport](https://lendb.ai/lo/albert-rapoport-60865)** (NMLS 60865), CrossCountry Mortgage, Union, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 15. **[Tony Bardawil](https://lendb.ai/lo/antonio-bardawil-1638874)** (NMLS 1638874), CrossCountry Mortgage, Cleveland, OH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 16. **[Jay Tolisano](https://lendb.ai/lo/jason-tolisano-109296)** (NMLS 109296), CrossCountry Mortgage, Fairfield, CT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 17. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 18. **[Matt Ripley](https://lendb.ai/lo/matt-ripley-17006)** (NMLS 17006), CrossCountry Mortgage, Bloomington, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 19. **[Brandon Parker](https://lendb.ai/lo/brandon-parker-1068831)** (NMLS 1068831), CrossCountry Mortgage, Acworth, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 20. **[Bryan Bentley](https://lendb.ai/lo/bryan-bentley-400911)** (NMLS 400911), CrossCountry Mortgage, Bloomington, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 21. **[Dawson Rosenow](https://lendb.ai/lo/dawson-rosenow-2248516)** (NMLS 2248516), CrossCountry Mortgage, White Bear Lake, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in White Bear Lake, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 22. **[Broch Lassig](https://lendb.ai/lo/broch-lassig-340314)** (NMLS 340314), CrossCountry Mortgage, South Jordan, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 23. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 5 years of experience (lender page, 2026-10-09) 24. **[Chris Volner](https://lendb.ai/lo/chris-volner-84706)** (NMLS 84706), CrossCountry Mortgage, Bloomington, MN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Mike Cook](https://lendb.ai/lo/michael-cook-232248)** (NMLS 232248), CrossCountry Mortgage, San Diego, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (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/minnesota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._