---
canonical_url: https://lendb.ai/lo/carlos-rivera-naranjo-456540
json_url: https://lendb.ai/lo/carlos-rivera-naranjo-456540.json
nmls_id: 456540
last_verified: 2026-10-09
---

# Carlos Rivera Naranjo

Senior Loan Advisor at CrossCountry Mortgage, San Juan, PR. NMLS ID 456540 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/456540)).

**Summary:** Carlos Rivera Naranjo (NMLS 456540) is Senior Loan Advisor at CrossCountry Mortgage, based in San Juan, PR. Licensed in Florida, confirmed with the state regulator (license LO27966). Also lists Georgia and PR on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2015 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2015 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), PR (PR, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-juan-pr-7170/carlos-rivera-naranjo/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO27966 | active | confirmed | 2015-01-07 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), San Juan, PR. Source: https://crosscountrymortgage.com/san-juan-pr-7170/carlos-rivera-naranjo/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/456540

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/san-juan-pr-7170/carlos-rivera-naranjo/
- Office phone and Email on file: shown at https://lendb.ai/lo/carlos-rivera-naranjo-456540#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/456540
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/san-juan-pr-7170/carlos-rivera-naranjo/

Cite as: Carlos Rivera Naranjo (NMLS 456540), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/carlos-rivera-naranjo-456540, last verified 2026-10-09.

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