---
canonical_url: https://lendb.ai/lo/carmel-perez-1933170
json_url: https://lendb.ai/lo/carmel-perez-1933170.json
nmls_id: 1933170
last_verified: 2026-10-09
---

# Carmel Perez

Sr. Loan Officer at CrossCountry Mortgage, Kennewick, WA. NMLS ID 1933170 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1933170)).

**Summary:** Carmel Perez (NMLS 1933170) is Sr. Loan Officer at CrossCountry Mortgage, based in Kennewick, WA. Lists Oregon and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, ITIN borrower and First-time buyer. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Oregon (OR, lender_reported), Washington (WA, 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

- **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/
- **ITIN borrower** (`itin`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.11, verified 2026-10-09. Source: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/

## About

Carmel started in home financing in 2020 to help her sister's business and discovered her passion for helping first-time homebuyers. She specializes in bank statement and ITIN loans.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2020. Source: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Kennewick, WA. Source: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/, 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/1933170

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/
- Office phone and Email on file: shown at https://lendb.ai/lo/carmel-perez-1933170#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1933170
- lender_site: https://crosscountrymortgage.com/kennewick-wa-3652/carmel-perez/

Cite as: Carmel Perez (NMLS 1933170), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/carmel-perez-1933170, last verified 2026-10-09.

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