Loan programs · North Carolina
Non-QM loan officers in North Carolina
As of 2026-10-09, LenDb lists 95 loan officers licensed in or based in North Carolina whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Patrick Stoy (CrossCountry Mortgage, Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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
Tammy FrithNMLS 190264
CrossCountry Mortgage · Destin, FL · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- NC 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 2017 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- NC 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 20 years of experience (lender page, 2026-10-09)
- 3
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 9 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- NC 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 Wilmington, NC
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- NC 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 2020 (per Colorado records)
- 5
Shannon OdomNMLS 509649
LeaderOne Financial · Bangor, ME · licensed in 13 states
- Non-QM loan
- FHA loan
- USDA loan
- VA loan
- NC 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)
- 6
Emily CostinNMLS 1049056
CrossCountry Mortgage · Wilmington, NC · licensed in 2 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- NC 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 Wilmington, NC
- States 15 years of experience (lender page, 2026-10-09)
- 7
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- NC 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 2020 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 8
Glenn GrantNMLS 117776
CrossCountry Mortgage · Naples, FL · licensed in 5 states
- Non-QM loan
- Reverse mortgage
- Real estate investor
- NC 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 2017 (per Florida records)
- States 38 years of experience (lender page, 2026-10-09)
- 9
Shawn KaplanNMLS 184641
CrossCountry Mortgage · Franklin, TN · licensed in 9 states
- Non-QM loan
- Real estate investor
- VA loan
- FHA loan
- NC 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 20 years of experience (lender page, 2026-10-09)
- 10
Sandra SmithNMLS 200651
CrossCountry Mortgage · Alpharetta, GA · licensed in 7 states
- Non-QM loan
- Jumbo loan
- FHA loan
- NC 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)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Non-QM loan
- First-time buyer
- Jumbo loan
- Real estate investor
- NC 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 23 years of experience (lender page, 2026-10-09)
- 12
Tammy O'ScanlonNMLS 453163
CrossCountry Mortgage · Union, NJ · licensed in 7 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- NC 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 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 13
Dustin SwigartNMLS 681479
CrossCountry Mortgage · Tampa, FL · licensed in 6 states
- Non-QM loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- NC 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 25 years of experience (lender page, 2026-10-09)
- 14
Kate RedmanNMLS 880676
CrossCountry Mortgage · Evans, GA · licensed in 6 states
- Non-QM loan
- FHA loan
- VA loan
- Construction loan
- NC 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 Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 15
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- NC 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)
- 16
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- NC 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 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
- 17
Michael HamiltonNMLS 2237575
CrossCountry Mortgage · Niles, OH · licensed in 5 states
- Non-QM loan
- Down payment assistance
- First-time buyer
- NC 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 20 years of experience (lender page, 2026-10-09)
- 18
Traci WallerNMLS 80888
CrossCountry Mortgage · Chesapeake, VA · licensed in 2 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- NC 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 19 years of experience (lender page, 2026-10-09)
- 19
Jeffrey AronheimNMLS 235233
CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states
- Non-QM loan
- Construction loan
- Real estate investor
- NC 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)
- 20
Patricia MiocicNMLS 1736087
Xpert Home Lending · Mortgage broker · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- NC 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 Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 21
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Non-QM loan
- Down payment assistance
- HELOC
- NC 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 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 22
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- Non-QM loan
- New construction
- NC 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 2024 (per Florida records)
- 23
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- NC 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)
- 24
Brent SchreursNMLS 212462
CrossCountry Mortgage · Tequesta, FL · licensed in 11 states
- Non-QM loan
- Condo
- Construction loan
- Renovation loan (203k / HomeStyle)
- NC 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 15 years of experience (lender page, 2026-10-09)
- 25
Joshua UlmerNMLS 217794
CrossCountry Mortgage · Tequesta, FL · licensed in 7 states
- Non-QM loan
- VA loan
- FHA loan
- NC 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)
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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.