--- canonical_url: https://lendb.ai/s/non-qm/north-carolina last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Tammy Frith](https://lendb.ai/lo/tammy-frith-190264)** (NMLS 190264), CrossCountry Mortgage, Destin, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 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) - Office in Wilmington, NC - NC 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) 4. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 5. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 6. **[Emily Costin](https://lendb.ai/lo/emily-costin-1049056)** (NMLS 1049056), CrossCountry Mortgage, Wilmington, NC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Wilmington, NC - NC 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) 7. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 8. **[Glenn Grant](https://lendb.ai/lo/glenn-grant-117776)** (NMLS 117776), CrossCountry Mortgage, Naples, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 38 years of experience (lender page, 2026-10-09) 9. **[Shawn Kaplan](https://lendb.ai/lo/shawn-kaplan-184641)** (NMLS 184641), CrossCountry Mortgage, Franklin, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[Sandra Smith](https://lendb.ai/lo/sandra-smith-200651)** (NMLS 200651), CrossCountry Mortgage, Alpharetta, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 12. **[Tammy O'Scanlon](https://lendb.ai/lo/tammy-o-scanlon-453163)** (NMLS 453163), CrossCountry Mortgage, Union, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 13. **[Dustin Swigart](https://lendb.ai/lo/dustin-swigart-681479)** (NMLS 681479), CrossCountry Mortgage, Tampa, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 14. **[Kate Redman](https://lendb.ai/lo/kathleen-redman-880676)** (NMLS 880676), CrossCountry Mortgage, Evans, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 15. **[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) - NC 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) 16. **[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) - NC 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) 17. **[Michael Hamilton](https://lendb.ai/lo/michael-hamilton-2237575)** (NMLS 2237575), CrossCountry Mortgage, Niles, OH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 18. **[Traci Waller](https://lendb.ai/lo/traci-waller-80888)** (NMLS 80888), CrossCountry Mortgage, Chesapeake, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-09) 19. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 20. **[Patricia Miocic](https://lendb.ai/lo/patricia-miocic-1736087)** (NMLS 1736087), Xpert Home Lending - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 21. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 22. **[Scott Phillips](https://lendb.ai/lo/scott-phillips-181137)** (NMLS 181137), First Heritage Mortgage - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 23. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 24. **[Brent Schreurs](https://lendb.ai/lo/brent-schreurs-212462)** (NMLS 212462), CrossCountry Mortgage, Tequesta, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 25. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._