--- canonical_url: https://lendb.ai/s/non-qm/montana last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Scott Hazard](https://lendb.ai/lo/scott-hazard-30883)** (NMLS 30883), Embrace Home Loans, Jamestown, RI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 20, 2011 (Florida), per state regulator 2. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 12, 2018 (Colorado), per state regulator 3. **[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) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 4. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 5. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 12, 2019 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 6. **[Danielle Young](https://lendb.ai/lo/danielle-young-265241)** (NMLS 265241), CrossCountry Mortgage, South Jordan, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 7. **[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) - MT 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) 8. **[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) - MT 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) 9. **[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) - MT 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 10. **[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) - MT 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 11. **[Andrew Watson](https://lendb.ai/lo/andrew-watson-2260761)** (NMLS 2260761), CrossCountry Mortgage, Coeur d'Alene, ID - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 12. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 10, 2026 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 13. **[Joshua Ulmer](https://lendb.ai/lo/joshua-ulmer-217794)** (NMLS 217794), CrossCountry Mortgage, Tequesta, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 7, 2011 (Florida), per state regulator 14. **[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) - MT 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 15. **[Emma Penna](https://lendb.ai/lo/emma-penna-2053766)** (NMLS 2053766), CrossCountry Mortgage, Bozeman, MT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bozeman, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 16. **[Jordan Donolow](https://lendb.ai/lo/jordan-donolow-389920)** (NMLS 389920), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 10, 2021 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 17. **[Ashlie Roe](https://lendb.ai/lo/ashlie-roe-639380)** (NMLS 639380), CrossCountry Mortgage, Eden, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 7, 2018 (Colorado), per state regulator 18. **[Suzanne Neblett](https://lendb.ai/lo/stephanie-deluise-neblett-619652)** (NMLS 619652), CrossCountry Mortgage, Wilmington, NC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 21, 2019 (Florida), per state regulator 19. **[Kamber Kelly](https://lendb.ai/lo/kamber-kelly-526357)** (NMLS 526357), CrossCountry Mortgage, Billings, MT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Billings, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Sarah DePew](https://lendb.ai/lo/sarah-depew-1946314)** (NMLS 1946314), CrossCountry Mortgage, Bozeman, MT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Bozeman, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 9, 2025 (Colorado), per state regulator 21. **[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) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 8, 2025 (Florida), per state regulator - States 5 years of experience (lender page, 2026-10-09) 22. **[Ed Nissen](https://lendb.ai/lo/ed-nissen-263692)** (NMLS 263692), CrossCountry Mortgage, Whitefish, MT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Whitefish, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Emily Martello](https://lendb.ai/lo/emily-martello-812363)** (NMLS 812363), CrossCountry Mortgage, Missoula, MT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Missoula, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Rosa Briggs](https://lendb.ai/lo/rosa-briggs-117032)** (NMLS 117032), CrossCountry Mortgage, Snohomish, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 12, 2023 (Florida), per state regulator 25. **[Brad Evered](https://lendb.ai/lo/bradford-evered-70213)** (NMLS 70213), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 12, 2023 (Florida), per state regulator ## 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/montana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._