---
canonical_url: https://lendb.ai/s/non-qm/north-dakota
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Josh Patrick](https://lendb.ai/lo/josh-patrick-667835)** (NMLS 667835), CrossCountry Mortgage, Newport Beach, CA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: April 16, 2021 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
2. **[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)
   - ND 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)
3. **[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)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 12, 2013 (Colorado), per state regulator
   - States 35 years of experience (lender page, 2026-10-09)
4. **[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)
   - ND 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
5. **[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)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 9, 2007 (Colorado), per state regulator
6. **[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)
   - ND 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
7. **[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)
   - ND 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
8. **[Steve Currington](https://lendb.ai/lo/stephen-currington-203687)** (NMLS 203687), CrossCountry Mortgage, Tulsa, OK
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 30, 2018 (Colorado), per state regulator
9. **[Josh Osborne](https://lendb.ai/lo/joshua-osborne-473258)** (NMLS 473258), CrossCountry Mortgage, Sioux Falls, SD
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 5, 2018 (Colorado), per state regulator
10. **[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)
   - ND 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)
11. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 20, 2023 (Colorado), 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/north-dakota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._