Loan programs · Pennsylvania
Non-QM loan officers in Pennsylvania
As of 2026-10-11, LenDb lists 37 loan officers licensed in or based in Pennsylvania whose lender pages show Non-QM loan work. The top-ranked are William Lee Underwood (Loan Factory), Eric Gasper (CrossCountry Mortgage, Mineola) and Margie Wilderotter (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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
William Lee UnderwoodNMLS 1423725
Loan Factory · Mortgage broker · licensed in 4 states
- Non-QM loan
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 40 years of experience (lender page, 2026-10-09)
- 2
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 73741), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 22, 2010 (Colorado), per state regulator
- 3
Margie WilderotterNMLS 177439
CrossCountry Mortgage · White Plains, NY · licensed in 5 states
- Non-QM loan
- FHA loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 102719), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 28, 2022 (Florida), per state regulator
- States 34 years of experience (lender page, 2026-10-09)
- 4
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- PA 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, 2023 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 5
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- PA 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 30, 2022 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 6
Irini LuluNMLS 482084
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 8 states
- Non-QM loan
- Construction loan
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Plymouth Meeting, PA
- Earliest state license record: January 28, 2019 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 7
Adam MissryNMLS 182738
CMG Home Loans · Brooklyn, NY · licensed in 4 states
- Non-QM loan
- First-time buyer
- FHA loan
- Jumbo loan
- PA 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 2026-10-11)
- States 20 years of experience (lender page, 2026-10-11)
- 8
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 115308), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 1, 2020 (Colorado), per state regulator
- 9
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 90216), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 24, 2021 (Florida), per state regulator
- 10
Victoria KammerNMLS 414039
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 5 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 49222), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Plymouth Meeting, PA
- Earliest state license record: February 6, 2024 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-09)
- 11
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Non-QM loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Allentown, PA
- Earliest state license record: January 27, 2021 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-09)
- 12
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 99210), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 15, 2020 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-09)
- 13
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Non-QM loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 54441), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 3, 2021 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 14
Chris WinzigNMLS 113169
CrossCountry Mortgage · Fairfield, CT · licensed in 8 states
- Non-QM loan
- FHA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 75598), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: July 6, 2016 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-09)
- 15
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 27321), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: August 21, 2025 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-09)
- 16
Nicole PerroneNMLS 235881
CrossCountry Mortgage · Union, NJ · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 119047), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 25, 2024 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-09)
- 17
Ubaldo V Leon IIINMLS 304012
CrossCountry Mortgage · Lewisville, TX · licensed in 14 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 102475), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: May 17, 2023 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-09)
- 18
Kevin GizaNMLS 436859
CrossCountry Mortgage · Pittsburgh, PA · licensed in 4 states
- Non-QM loan
- Condo
- Jumbo loan
- PA 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 Pittsburgh, PA
- Earliest state license record: June 27, 2021 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 19
Tammy O'ScanlonNMLS 453163
CrossCountry Mortgage · Union, NJ · licensed in 7 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 108890), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: February 22, 2024 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-09)
- 20
Nick SandovalNMLS 858085
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 5 states
- Non-QM loan
- First-time buyer
- PA 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 Plymouth Meeting, PA
- Earliest state license record: March 2, 2016 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 21
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 105460), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: September 11, 2018 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 22
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 106995), verified 2026-10-10
- 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)
- 23
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 70517), verified 2026-10-10
- 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)
- 24
Michael HamiltonNMLS 2237575
CrossCountry Mortgage · Niles, OH · licensed in 5 states
- Non-QM loan
- Down payment assistance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 92840), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: February 2, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 25
Andrea PascoNMLS 2474115
CrossCountry Mortgage · Monkton, MD · licensed in 4 states
- Non-QM loan
- First-time buyer
- HELOC
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 104072), verified 2026-10-10
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: December 26, 2024 (Florida), per state regulator
- States 27 years of experience (lender page, 2026-10-09)
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 PA license is confirmed with the state regulator (check mark), PA 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=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.