{ "canonical_url": "https://lendb.ai/s/non-qm/missouri", "summary": "As of 2026-10-09, LenDb lists 38 loan officers licensed in or based in Missouri whose lender pages show Non-QM loan work. The top-ranked are Rick Lindsay (CrossCountry Mortgage, Dardenne Prairie), Nichole Crisanti (CrossCountry Mortgage, Loveland) and Karen Chiu (CrossCountry Mortgage, San Gabriel). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "non-qm", "state": "MO", "total": 38, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 54.8, "loan_officer": { "nmls_id": 1085250, "slug": "richard-lindsay-1085250", "full_name": "Rick Lindsay", "canonical_url": "https://lendb.ai/lo/richard-lindsay-1085250", "json_url": "https://lendb.ai/lo/richard-lindsay-1085250.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dardenne Prairie", "state": "MO" }, "licensed_states": [ "FL", "CA", "IL", "IN", "KS", "KY", "MO" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/dardenne-prairie-mo-3107/richard-lindsay/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Dardenne Prairie, MO", "MO 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)" ], "canonical_url": "https://lendb.ai/lo/richard-lindsay-1085250", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/dardenne-prairie-mo-3107/richard-lindsay/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 54.3, "loan_officer": { "nmls_id": 1503218, "slug": "nichole-crisanti-1503218", "full_name": "Nichole Crisanti", "canonical_url": "https://lendb.ai/lo/nichole-crisanti-1503218", "json_url": "https://lendb.ai/lo/nichole-crisanti-1503218.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Loveland", "state": "CO" }, "licensed_states": [ "CO", "KS", "MO", "WY" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/loveland-co-5120/nichole-crisanti/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/nichole-crisanti-1503218", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/loveland-co-5120/nichole-crisanti/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 52.8, "loan_officer": { "nmls_id": 611778, "slug": "karen-chiu-611778", "full_name": "Karen Chiu", "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "json_url": "https://lendb.ai/lo/karen-chiu-611778.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Gabriel", "state": "CA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "LA", "MI", "MO", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 52.3, "loan_officer": { "nmls_id": 509649, "slug": "shannon-odom-509649", "full_name": "Shannon Odom", "canonical_url": "https://lendb.ai/lo/shannon-odom-509649", "json_url": "https://lendb.ai/lo/shannon-odom-509649.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Bangor", "state": "ME" }, "licensed_states": [ "FL", "CO", "DE", "KS", "MA", "MD", "ME", "MO", "NC", "NH", "SC", "VA", "VT" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/shannon-odom", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/shannon-odom-509649", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.leaderonefinancial.com/mlo/shannon-odom" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 51.8, "loan_officer": { "nmls_id": 39527, "slug": "patrick-stoy-39527", "full_name": "Patrick Stoy", "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527", "json_url": "https://lendb.ai/lo/patrick-stoy-39527.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wilmington", "state": "NC" }, "licensed_states": [ "FL", "KY", "MN", "MO", "MT", "NC", "NM", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO 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)" ], "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 76823, "slug": "erika-slayton-76823", "full_name": "Erika Slayton", "canonical_url": "https://lendb.ai/lo/erika-slayton-76823", "json_url": "https://lendb.ai/lo/erika-slayton-76823.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Antonio", "state": "TX" }, "licensed_states": [ "AZ", "MO", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 31, "lender_profile_url": "https://crosscountrymortgage.com/san-antonio-tx-5256/erika-slayton/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 31 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/erika-slayton-76823", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/san-antonio-tx-5256/erika-slayton/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 210839, "slug": "jason-smith-210839", "full_name": "Jason Smith", "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "json_url": "https://lendb.ai/lo/jason-smith-210839.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AK", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "MO", "NE", "NM", "NV", "OK", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO 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)" ], "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 554943, "slug": "stacey-grimes-554943", "full_name": "Stacey Grimes", "canonical_url": "https://lendb.ai/lo/stacey-grimes-554943", "json_url": "https://lendb.ai/lo/stacey-grimes-554943.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Panama City", "state": "FL" }, "licensed_states": [ "FL", "AL", "GA", "LA", "MO", "TX" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 34, "lender_profile_url": "https://crosscountrymortgage.com/panama-city-fl-3664/stacey-grimes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/stacey-grimes-554943", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/panama-city-fl-3664/stacey-grimes/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 1043739, "slug": "sarena-talbert-1043739", "full_name": "Sarena Talbert", "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739", "json_url": "https://lendb.ai/lo/sarena-talbert-1043739.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; 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