--- canonical_url: https://lendb.ai/s/non-qm/south-carolina last_verified: 2026-10-10 --- # Non-QM loan officers in South Carolina As of 2026-10-10, LenDb lists 74 loan officers licensed in or based in South Carolina whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Archie E. Vetter (Neighborhood Loans) and Steve Klarman (CrossCountry Mortgage, Aiken). Ranking is lender-neutral: specialty evidence first, then a license in SC, 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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 11, 2017 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 2. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists Non-QM loan on lender page (lender page, verified 2026-10-10) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-10) 3. **[Steve Klarman](https://lendb.ai/lo/steven-klarman-1559209)** (NMLS 1559209), CrossCountry Mortgage, Aiken, SC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Aiken, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 4, 2025 (Florida), per state regulator - States 20 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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 1, 2020 (Colorado), per state regulator 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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 16, 2021 (Florida), per state regulator 6. **[Chad Goetz](https://lendb.ai/lo/chad-goetz-5128)** (NMLS 5128), CrossCountry Mortgage, Salem, NH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 17, 2016 (Florida), per state regulator - States 20 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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 15, 2020 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 8. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 9. **[Angie Gora Vincent](https://lendb.ai/lo/angela-vincent-103294)** (NMLS 103294), CrossCountry Mortgage, Bethlehem, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 5, 2020 (Florida), per state regulator - States 30 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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 29, 2011 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 11. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 17, 2023 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 12. **[Kevin Giza](https://lendb.ai/lo/kevin-giza-436859)** (NMLS 436859), CrossCountry Mortgage, Pittsburgh, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 27, 2021 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 13. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 19, 2018 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 14. **[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) - SC 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) 15. **[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) - SC 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 16. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2024 (Florida), per state regulator 17. **[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) - SC 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 18. **[Travis Blayton](https://lendb.ai/lo/travis-blayton-1493984)** (NMLS 1493984), CrossCountry Mortgage, Florence, SC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Florence, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 19. **[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) - SC 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) 20. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 7, 2011 (Florida), per state regulator 21. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 7, 2011 (Florida), per state regulator 22. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2018 (Florida), per state regulator - States 13 years of experience (lender page, 2026-10-09) 23. **[Sam McMullen](https://lendb.ai/lo/samuel-mcmullen-1605300)** (NMLS 1605300), CrossCountry Mortgage, Brentwood, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 20, 2017 (Colorado), per state regulator - States 13 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) - SC 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 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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 9, 2026 (Florida), 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/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._