--- canonical_url: https://lendb.ai/s/non-qm/utah last_verified: 2026-10-09 --- # Non-QM loan officers in Utah As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in Utah whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Danielle Young (CrossCountry Mortgage, South Jordan) and Charles Toll (CrossCountry Mortgage, San Juan Capistrano). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 2. **[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) - Office in South Jordan, UT - UT 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) 3. **[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) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 4. **[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) - UT 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) 5. **[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) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 6. **[Fernando Perez](https://lendb.ai/lo/fernando-perez-1385005)** (NMLS 1385005), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT 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) 7. **[Ashlie Roe](https://lendb.ai/lo/ashlie-roe-639380)** (NMLS 639380), CrossCountry Mortgage, Eden, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Eden, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 8. **[Kody Condie](https://lendb.ai/lo/kody-condie-1742865)** (NMLS 1742865), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Cottonwood Heights, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) 9. **[Broch Lassig](https://lendb.ai/lo/broch-lassig-340314)** (NMLS 340314), CrossCountry Mortgage, South Jordan, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in South Jordan, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 10. **[Denise McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 11. **[Shaun Russon](https://lendb.ai/lo/shaun-russon-1004093)** (NMLS 1004093), CrossCountry Mortgage, St. George, UT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in St. George, UT - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[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) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 5 years of experience (lender page, 2026-10-09) 13. **[Steven Cox](https://lendb.ai/lo/steve-cox-11381)** (NMLS 11381), Fairway Independent Mortgage Corporation, Boise, ID - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 14. **[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) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 15. **[Sean McCluskey](https://lendb.ai/lo/sean-mccluskey-39471)** (NMLS 39471), CrossCountry Mortgage, Lake Oswego, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/utah. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._