{ "canonical_url": "https://lendb.ai/s/non-qm/texas", "summary": "As of 2026-10-09, LenDb lists 184 loan officers licensed in or based in Texas whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Eric Gasper (CrossCountry Mortgage, Mineola) and Erika Slayton (CrossCountry Mortgage, San Antonio). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "non-qm", "state": "TX", "total": 184, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 57.3, "loan_officer": { "nmls_id": 133618, "slug": "edwin-santiago-133618", "full_name": "Edwin Santiago", "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618", "json_url": "https://lendb.ai/lo/edwin-santiago-133618.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wayne", "state": "PA" }, "licensed_states": [ "FL", "CO", "DE", "IN", "KY", "MD", "ME", "MI", "MN", "MS", "MT", "NC", "PA", "SC", "TN", "UT", "VA", "CA", "GA", "IL", "NJ", "NY", "TX" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-4431/edwin-santiago/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618" }, { "rank": 2, "score": 57.3, "loan_officer": { "nmls_id": 175852, "slug": "eric-gasper-175852", "full_name": "Eric Gasper", "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "json_url": "https://lendb.ai/lo/eric-gasper-175852.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mineola", "state": "NY" }, "licensed_states": [ "FL", "CO", "CA", "CT", "DC", "DE", "IL", "MA", "ME", "MI", "NH", "NJ", "NY", "OH", "OR", "PA", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/eric-gasper-175852" }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 76823, "slug": "erika-slayton-76823", "full_name": "Erika Slayton", "canonical_url": "https://lendb.ai/lo/erika-slayton-76823", "json_url": "https://lendb.ai/lo/erika-slayton-76823.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Antonio", "state": "TX" }, "licensed_states": [ "AZ", "MO", "TX" ], "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 31, "lender_profile_url": "https://crosscountrymortgage.com/san-antonio-tx-5256/erika-slayton/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "31 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/erika-slayton-76823" }, { "rank": 4, "score": 54.8, "loan_officer": { "nmls_id": 184325, "slug": "jonathan-tuttle-184325", "full_name": "Andy Tuttle", "canonical_url": "https://lendb.ai/lo/jonathan-tuttle-184325", "json_url": "https://lendb.ai/lo/jonathan-tuttle-184325.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dallas", "state": "TX" }, "licensed_states": [ "FL", "AR", "CA", "OK", "TX" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 0, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3378/jonathan-tuttle/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "0 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jonathan-tuttle-184325" }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 227958, "slug": "michael-harrington-227958", "full_name": "Michael Harrington", "canonical_url": "https://lendb.ai/lo/michael-harrington-227958", "json_url": "https://lendb.ai/lo/michael-harrington-227958.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Houston", "state": "TX" }, "licensed_states": [ "TX" ], "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-3358/anselon-harrington/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "30 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/michael-harrington-227958" }, { "rank": 6, "score": 54.8, "loan_officer": { "nmls_id": 324221, "slug": "kim-jones-324221", "full_name": "Kim Jones", "canonical_url": "https://lendb.ai/lo/kim-jones-324221", "json_url": "https://lendb.ai/lo/kim-jones-324221.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Houston", "state": "TX" }, "licensed_states": [ "AR", "PA", "TN", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 44, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6942/kim-jones/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "44 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/kim-jones-324221" }, { "rank": 7, "score": 54.8, "loan_officer": { "nmls_id": 878436, "slug": "candace-cagle-878436", "full_name": "Candace Cagle", "canonical_url": "https://lendb.ai/lo/candace-cagle-878436", "json_url": "https://lendb.ai/lo/candace-cagle-878436.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Houston", "state": "TX" }, "licensed_states": [ "AR", "MN", "MS", "TX" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6942/candace-cagle/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "20 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/candace-cagle-878436" }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 1195575, "slug": "wendy-cloud-1195575", "full_name": "Wendy Cloud", "canonical_url": "https://lendb.ai/lo/wendy-cloud-1195575", "json_url": "https://lendb.ai/lo/wendy-cloud-1195575.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Houston", "state": "TX" }, "licensed_states": [ "TX" ], "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 27, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5337/wendy-cloud/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "27 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/wendy-cloud-1195575" }, { "rank": 9, "score": 54.8, "loan_officer": { "nmls_id": 1322576, "slug": "dave-burness-1322576", "full_name": "Dave Burness", "canonical_url": "https://lendb.ai/lo/dave-burness-1322576", "json_url": "https://lendb.ai/lo/dave-burness-1322576.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cedar Park", "state": "TX" }, "licensed_states": [ "CA", "CO", "TN", "TX" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cedar-park-tx-3317/michael-burness/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/dave-burness-1322576" }, { "rank": 10, "score": 54.8, "loan_officer": { "nmls_id": 2732086, "slug": "kai-fideler-2732086", "full_name": "Kai Fideler", "canonical_url": "https://lendb.ai/lo/kai-fideler-2732086", "json_url": "https://lendb.ai/lo/kai-fideler-2732086.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Austin", "state": "TX" }, "licensed_states": [ "FL", "CA", "TX" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 0, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/austin-tx-3897/kai-fideler/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "0 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/kai-fideler-2732086" }, { "rank": 11, "score": 53, "loan_officer": { "nmls_id": 1090092, "slug": "sean-frith-1090092", "full_name": "Sean Frith", "canonical_url": "https://lendb.ai/lo/sean-frith-1090092", "json_url": "https://lendb.ai/lo/sean-frith-1090092.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Destin", "state": "FL" }, "licensed_states": [ "FL", "AL", "GA", "OH", "TN", "TX" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 8, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/sean-frith/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "8 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/sean-frith-1090092" }, { "rank": 12, "score": 52.5, "loan_officer": { "nmls_id": 132188, "slug": "robert-taylor-132188", "full_name": "Robert Taylor", "canonical_url": "https://lendb.ai/lo/robert-taylor-132188", "json_url": "https://lendb.ai/lo/robert-taylor-132188.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Baltimore", "state": "MD" }, "licensed_states": [ "FL", "DC", "DE", "MD", "PA", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/rob-taylor/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/robert-taylor-132188" }, { "rank": 13, "score": 52.3, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 5, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "5 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678" }, { "rank": 14, "score": 52.3, "loan_officer": { "nmls_id": 1783114, "slug": "charles-toll-1783114", "full_name": "Charles Toll", "canonical_url": "https://lendb.ai/lo/charles-toll-1783114", "json_url": "https://lendb.ai/lo/charles-toll-1783114.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Juan Capistrano", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "HI", "IL", "IN", "MT", "NM", "NV", "OR", "TN", "TX", "UT", "VA", "WA" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "5 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/charles-toll-1783114" }, { "rank": 15, "score": 51.3, "loan_officer": { "nmls_id": 611778, "slug": "karen-chiu-611778", "full_name": "Karen Chiu", "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "json_url": "https://lendb.ai/lo/karen-chiu-611778.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Gabriel", "state": "CA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "LA", "MI", "MO", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "WA" ], "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 3, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "3 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/karen-chiu-611778" }, { "rank": 16, "score": 51.3, "loan_officer": { "nmls_id": 1850056, "slug": "carl-crowley-1850056", "full_name": "Carl Crowley", "canonical_url": "https://lendb.ai/lo/carl-crowley-1850056", "json_url": "https://lendb.ai/lo/carl-crowley-1850056.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "Frisco", "state": "TX" }, "licensed_states": [ "TX" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 7, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/carl-crowley-1850056" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "7 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/carl-crowley-1850056" }, { "rank": 17, "score": 50.8, "loan_officer": { "nmls_id": 1402120, "slug": "kathy-johnson-1402120", "full_name": "Kathy Johnson", "canonical_url": "https://lendb.ai/lo/kathy-johnson-1402120", "json_url": "https://lendb.ai/lo/kathy-johnson-1402120.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Houston", "state": "TX" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MD", "MI", "MN", "MO", "MS", "NC", "NE", "NJ", "NM", "OK", "PA", "SC", "TN", "TX", "VA", "WA", "WI", "WV" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6942/kathy-johnson/" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Licensed in TX (listed on lender page, verified 2026-10-09)", "Branch in Texas", "8 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/kathy-johnson-1402120" }, { "rank": 18, "score": 50.8, "loan_officer": { "nmls_id": 1504425, "slug": "bryan-young-1504425", "full_name": "Bryan Young", "canonical_url": "https://lendb.ai/lo/bryan-young-1504425", "json_url": "https://lendb.ai/lo/bryan-young-1504425.json", "lender": { "nmls_id": 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