--- canonical_url: https://lendb.ai/s/non-qm/washington last_verified: 2026-10-09 --- # Non-QM loan officers in Washington As of 2026-10-09, LenDb lists 88 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), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Nadia Raknai (CrossCountry Mortgage, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jennifer Kim](https://lendb.ai/lo/jennifer-kim-113118)** (NMLS 113118), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Seattle, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 2. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Nadia Raknai](https://lendb.ai/lo/nadia-raknai-484350)** (NMLS 484350), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Seattle, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 4. **[Keely Matteo](https://lendb.ai/lo/keely-matteo-134942)** (NMLS 134942), CrossCountry Mortgage, Vancouver, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Vancouver, WA - WA 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) 5. **[Grace Jones](https://lendb.ai/lo/grace-jones-754393)** (NMLS 754393), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Seattle, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 6. **[Matt Thomas](https://lendb.ai/lo/matt-thomas-96883)** (NMLS 96883), CrossCountry Mortgage, Renton, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Renton, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-09) 7. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 8. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 9. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Spokane Valley, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 10. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 11. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[Steph Noble](https://lendb.ai/lo/steph-noble-129002)** (NMLS 129002), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 13. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 14. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 15. **[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) - WA 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) 16. **[Lindsey Baab-Akers](https://lendb.ai/lo/lindsey-baab-akers-378853)** (NMLS 378853), CrossCountry Mortgage, Beavercreek, OH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 17. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 18. **[Wendy Russell](https://lendb.ai/lo/wendy-russell-390282)** (NMLS 390282), CrossCountry Mortgage, Ventura, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 37 years of experience (lender page, 2026-10-09) 19. **[Matt Briggs](https://lendb.ai/lo/matt-briggs-605219)** (NMLS 605219), CrossCountry Mortgage, Coeur d'Alene, ID - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 20. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 21. **[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) - WA 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) 22. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 35 years of experience (lender page, 2026-10-09) 23. **[Jeffrey Aronheim](https://lendb.ai/lo/jeffrey-aronheim-235233)** (NMLS 235233), CrossCountry Mortgage, Greenwood Village, CO - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 24. **[Tony Gillard](https://lendb.ai/lo/tony-gillard-120989)** (NMLS 120989), CrossCountry Mortgage, Portland, OR - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 25. **[Saran Mandhadapu](https://lendb.ai/lo/saran-mandhadapu-2417126)** (NMLS 2417126), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) ## 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/washington. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._