Loan programs · Washington
Non-QM loan officers in Washington
As of 2026-10-09, LenDb lists 111 loan officers licensed in or based in Washington whose lender pages show Non-QM loan work. The top-ranked are Jennifer Kim (CrossCountry Mortgage, Seattle), Shelley Covington (Intercap Lending, Kirkland) and Keely Matteo (CrossCountry Mortgage, Vancouver). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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
Jennifer KimNMLS 113118
CrossCountry Mortgage · Seattle, WA · licensed in 2 states
- Non-QM loan
- FHA loan
- First-time buyer
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 26 years experience (stated on lender page, 2026-10-09)
- 2
Shelley CovingtonNMLS 102076
Intercap Lending · Kirkland, WA · licensed in 3 states
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 25 years experience (stated on lender page, 2026-10-09)
- 3
Keely MatteoNMLS 134942
CrossCountry Mortgage · Vancouver, WA · licensed in 5 states
- Non-QM loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 30 years experience (stated on lender page, 2026-10-09)
- 4
Grace JonesNMLS 754393
CrossCountry Mortgage · Seattle, WA
- Non-QM loan
- Construction loan
- Down payment assistance
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 25 years experience (stated on lender page, 2026-10-09)
- 5
Matt ThomasNMLS 96883
CrossCountry Mortgage · Renton, WA · licensed in 2 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 19 years experience (stated on lender page, 2026-10-09)
- 6
Paula NirschlNMLS 383396
Guild Mortgage · Vancouver, WA · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 5 years licensed
- 7
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 9
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 10
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 11
Peter CowieNMLS 384006
Envoy Mortgage · Oak Harbor, WA · licensed in 2 states
- Non-QM loan
- FHA loan
- Jumbo loan
- USDA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 12
Preston FroulaNMLS 2092118
Guild Mortgage · Yakima, WA · licensed in 2 states
- Non-QM loan
- Construction loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 13
Timothy McGintyNMLS 1443050
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- Non-QM loan
- FHA loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 14
Steph NobleNMLS 129002
CrossCountry Mortgage · Portland, OR · licensed in 4 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Danielle YoungNMLS 265241
CrossCountry Mortgage · South Jordan, UT · licensed in 9 states
- Non-QM loan
- Construction loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Matt BriggsNMLS 605219
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 2 states
- Non-QM loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 18
Tony GillardNMLS 120989
CrossCountry Mortgage · Portland, OR · licensed in 7 states
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 18 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Sam KlaburnerNMLS 140132
Loan Factory · Mortgage broker · licensed in 4 states
- Non-QM loan
- Down payment assistance
- DSCR loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 20
Raena PinchukNMLS 1488388
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 4 states
- Non-QM loan
- First-time buyer
- New construction
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Noel SmithNMLS 156016
Fairway Independent Mortgage Corporation · Boise, ID · licensed in 3 states
- Non-QM loan
- Self-employed
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Rosa BriggsNMLS 117032
CrossCountry Mortgage · Snohomish, WA · licensed in 32 states
- Non-QM loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 3 years licensed
- 23
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- Non-QM loan
- Self-employed
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 16 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
Peggy RaudenbushNMLS 582992
CrossCountry Mortgage · Seattle, WA · licensed in 5 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 2 years licensed
- 25
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
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 must be licensed in WA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.