NFM Lending Western Division is an award-winning, multi-state residential mortgage lender currently licensed in 20 states led by Western Division President, Ryan Sandell. Since its formation in 2003, the division has since grown to over 100 employees including licensed Loan Originators, a dedicated marketing team, in-house processing, underwriting, and closing departments. The Western Division also includes our Westminster, Colorado branch, led by Branch Manager, Jessica Uphoff, our Tempe & Scottsdale branches led by Branch Manager, Brian Burnham, and our Glendale branch led by Branch Manager, Danny Banda.