Loan programs · North Dakota

Non-QM loan officers in North Dakota

As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in North Dakota whose lender pages show Non-QM loan work. The top-ranked are Josh Patrick (CrossCountry Mortgage, Newport Beach), Sarena Talbert (CrossCountry Mortgage, Newport Beach) and Kristina Hayes (Churchill Mortgage, Irvine). Ranking is lender-neutral: specialty evidence first, then a license in ND, 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 11

  1. 1

    Josh PatrickNMLS 667835

    CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states

    • Non-QM loan
    • Jumbo loan
    • First-time buyer
    • ND 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)
    • Earliest state license record: April 16, 2021 (Colorado), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states

    • Non-QM loan
    • Jumbo loan
    • Reverse mortgage
    • ND 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)
    • Earliest state license record: December 4, 2023 (Florida), per state regulator
    • States 28 years of experience (lender page, 2026-10-09)
  3. 3

    Kristina HayesNMLS 1057175

    Churchill Mortgage · Irvine, CA · licensed in 24 states

    • Non-QM loan
    • FHA loan
    • VA loan
    • ND 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)
    • Earliest state license record: September 12, 2013 (Colorado), per state regulator
    • States 35 years of experience (lender page, 2026-10-09)
  4. 4

    Jerry SundtNMLS 168111

    CrossCountry Mortgage · Tucson, AZ · licensed in 36 states

    • Non-QM loan
    • Jumbo loan
    • Real estate investor
    • First-time buyer
    • ND 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)
    • Earliest state license record: July 14, 2007 (Colorado), per state regulator
  5. 5

    Jeffrey AronheimNMLS 235233

    CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states

    • Non-QM loan
    • Construction loan
    • Real estate investor
    • ND 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)
    • Earliest state license record: March 9, 2007 (Colorado), per state regulator
  6. 6

    Michael MizrahiNMLS 188831

    CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states

    • Non-QM loan
    • Jumbo loan
    • ND 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)
    • Earliest state license record: November 22, 2010 (Florida), per state regulator
  7. 7

    Dan GjeldumNMLS 686529

    CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states

    • Non-QM loan
    • Jumbo loan
    • VA loan
    • ND 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)
    • Earliest state license record: July 24, 2014 (Florida), per state regulator
  8. 8

    Steve CurringtonNMLS 203687

    CrossCountry Mortgage · Tulsa, OK · licensed in 24 states

    • Non-QM loan
    • VA loan
    • FHA loan
    • ND 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)
    • Earliest state license record: January 30, 2018 (Colorado), per state regulator
  9. 9

    Josh OsborneNMLS 473258

    CrossCountry Mortgage · Sioux Falls, SD · licensed in 14 states

    • Non-QM loan
    • Real estate investor
    • First-time buyer
    • ND 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)
    • Earliest state license record: September 5, 2018 (Colorado), per state regulator
  10. 10

    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
    • ND 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)
    • Earliest state license record: September 8, 2025 (Florida), per state regulator
    • States 5 years of experience (lender page, 2026-10-09)
  11. 11

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • Non-QM loan
    • Bank statement loan
    • Condo
    • DSCR loan
    • ND 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)
    • Earliest state license record: September 20, 2023 (Colorado), per state regulator

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?

More about Non-QM loan

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 ND license is confirmed with the state regulator (check mark), ND 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=ND. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.