---
canonical_url: https://lendb.ai/s/non-qm/west-virginia
last_verified: 2026-10-09
---

# Non-QM loan officers in West Virginia

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in West Virginia whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Sarena Talbert (CrossCountry Mortgage, Newport Beach) and Michael Mizrahi (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - WV 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)
2. **[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)
   - WV 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)
3. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2010 (per Florida records)
4. **[Kevin Patrick](https://lendb.ai/lo/kevin-patrick-1036946)** (NMLS 1036946), CrossCountry Mortgage, Martinsburg, WV
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
5. **[Wes Wolfe](https://lendb.ai/lo/wesley-wolfe-1588577)** (NMLS 1588577), CrossCountry Mortgage, North Bethesda, MD
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
6. **[Kathy Johnson](https://lendb.ai/lo/kathy-johnson-1402120)** (NMLS 1402120), CrossCountry Mortgage, Houston, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
7. **[Katie Simmons Hickey](https://lendb.ai/lo/kathryn-hickey-659429)** (NMLS 659429), CrossCountry Mortgage, Reston, VA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
8. **[Scott Brookshire](https://lendb.ai/lo/dennis-brookshire-198834)** (NMLS 198834), CrossCountry Mortgage, Winchester, VA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (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/west-virginia.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._