--- canonical_url: https://lendb.ai/s/non-qm/oregon last_verified: 2026-10-09 --- # Non-QM loan officers in Oregon As of 2026-10-09, LenDb lists 59 loan officers licensed in or based in Oregon whose lender pages show Non-QM loan work. The top-ranked are Jennifer Kim (CrossCountry Mortgage, Seattle), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Eric Gasper (CrossCountry Mortgage, Mineola). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jennifer Kim](https://lendb.ai/lo/jennifer-kim-113118)** (NMLS 113118), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 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) - OR 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. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) 4. **[Steph Noble](https://lendb.ai/lo/steph-noble-129002)** (NMLS 129002), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 5. **[Tony Gillard](https://lendb.ai/lo/tony-gillard-120989)** (NMLS 120989), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 6. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 7. **[Cormac Reidy-Taylor](https://lendb.ai/lo/cormac-reidy-taylor-2260426)** (NMLS 2260426), CrossCountry Mortgage, Eugene, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Eugene, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) 8. **[Kimberly Barry](https://lendb.ai/lo/kimberly-barry-53711)** (NMLS 53711), American Pacific Mortgage, Hillsboro, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Hillsboro, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Nadia Raknai](https://lendb.ai/lo/nadia-raknai-484350)** (NMLS 484350), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 10. **[Keely Matteo](https://lendb.ai/lo/keely-matteo-134942)** (NMLS 134942), CrossCountry Mortgage, Vancouver, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR 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) 11. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 12. **[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) - OR 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) 13. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 14. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR 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) 15. **[Ricardo Pacheco](https://lendb.ai/lo/ricardo-pacheco-454956)** (NMLS 454956), CrossCountry Mortgage, Charlotte, NC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 16. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 17. **[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) - OR 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) 18. **[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) - OR 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) 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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 20. **[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) - OR 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) 21. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 22. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 23. **[Kirk Arbach](https://lendb.ai/lo/kirk-arbach-1328683)** (NMLS 1328683), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 9 years of experience (lender page, 2026-10-09) 24. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 25. **[Frank Sanchez](https://lendb.ai/lo/francisco-sanchez-2290099)** (NMLS 2290099), Barrett Financial Group, Katy, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (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/oregon. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._