Loan programs · Montana
Non-QM loan officers in Montana
As of 2026-10-09, LenDb lists 30 loan officers licensed in or based in Montana whose lender pages show Non-QM loan work. The top-ranked are Scott Hazard (Embrace Home Loans, Jamestown), Charles Toll (CrossCountry Mortgage, San Juan Capistrano) and Patrick Stoy (CrossCountry Mortgage, Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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
Scott HazardNMLS 30883
Embrace Home Loans · Jamestown, RI · licensed in 8 states
- Non-QM loan
- Jumbo loan
- MT 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)
- Licensed since 2011 (per Florida records)
- 2
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- MT 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)
- Licensed since 2018 (per Colorado records)
- 3
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 9 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- MT 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)
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Blayney WhiteNMLS 239189
CrossCountry Mortgage · Petaluma, CA · licensed in 12 states
- Non-QM loan
- Real estate investor
- First-time buyer
- MT 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)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 5
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- MT 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)
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Danielle YoungNMLS 265241
CrossCountry Mortgage · South Jordan, UT · licensed in 9 states
- Non-QM loan
- Construction loan
- Jumbo loan
- MT 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)
- States 30 years of experience (lender page, 2026-10-09)
- 7
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- MT 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)
- Licensed since 2018 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- MT 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)
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 9
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 36 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- First-time buyer
- MT 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)
- Licensed since 2007 (per Colorado records)
- 10
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- MT 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)
- Licensed since 2010 (per Florida records)
- 11
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- Non-QM loan
- Self-employed
- Real estate investor
- VA loan
- MT 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)
- States 16 years of experience (lender page, 2026-10-09)
- 12
Jared EvensonNMLS 104085
CrossCountry Mortgage · Spokane Valley, WA · licensed in 7 states
- Non-QM loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- MT 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)
- Licensed since 2026 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 13
Joshua UlmerNMLS 217794
CrossCountry Mortgage · Tequesta, FL · licensed in 7 states
- Non-QM loan
- VA loan
- FHA loan
- MT 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)
- Licensed since 2011 (per Florida records)
- 14
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- MT 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)
- Licensed since 2014 (per Florida records)
- 15
Emma PennaNMLS 2053766
CrossCountry Mortgage · Bozeman, MT · licensed in 4 states
- Non-QM loan
- USDA loan
- VA loan
- MT 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 Bozeman, MT
- States 6 years of experience (lender page, 2026-10-09)
- 16
Jordan DonolowNMLS 389920
CrossCountry Mortgage · Newport Beach, CA · licensed in 16 states
- Non-QM loan
- Down payment assistance
- MT 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)
- Licensed since 2021 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 17
Ashlie RoeNMLS 639380
CrossCountry Mortgage · Eden, UT · licensed in 11 states
- Non-QM loan
- Real estate investor
- FHA loan
- VA loan
- MT 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)
- Licensed since 2018 (per Colorado records)
- 18
Suzanne NeblettNMLS 619652
CrossCountry Mortgage · Wilmington, NC · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- MT 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)
- Licensed since 2019 (per Florida records)
- 19
Kamber KellyNMLS 526357
CrossCountry Mortgage · Billings, MT · licensed in 2 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- MT 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 Billings, MT
- 20
Sarah DePewNMLS 1946314
CrossCountry Mortgage · Bozeman, MT · licensed in 3 states
- Non-QM loan
- Down payment assistance
- Reverse mortgage
- MT 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 Bozeman, MT
- Licensed since 2025 (per Colorado records)
- 21
Molly Barndt, MBA, CSCPNMLS 2236749
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Non-QM loan
- Physician and medical professional
- Real estate investor
- Jumbo loan
- MT 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)
- Licensed since 2025 (per Florida records)
- States 5 years of experience (lender page, 2026-10-09)
- 22
Ed NissenNMLS 263692
CrossCountry Mortgage · Whitefish, MT · licensed in 5 states
- Non-QM loan
- VA loan
- First-time buyer
- MT 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 Whitefish, MT
- 23
Emily MartelloNMLS 812363
CrossCountry Mortgage · Missoula, MT · licensed in 3 states
- Non-QM loan
- VA loan
- First-time buyer
- MT 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 Missoula, MT
- 24
Rosa BriggsNMLS 117032
CrossCountry Mortgage · Snohomish, WA · licensed in 32 states
- Non-QM loan
- VA loan
- FHA loan
- MT 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)
- Licensed since 2023 (per Florida records)
- 25
Brad EveredNMLS 70213
CrossCountry Mortgage · Seattle, WA · licensed in 8 states
- Non-QM loan
- Condo
- First-time buyer
- MT 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)
- Licensed since 2023 (per Florida records)
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 MT license is confirmed with the state regulator (check mark), MT 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 (licensed since, per the regulator records we hold) 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=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.