---
canonical_url: https://lendb.ai/lo/caroline-garcia-oronoz-2137864
json_url: https://lendb.ai/lo/caroline-garcia-oronoz-2137864.json
nmls_id: 2137864
last_verified: 2026-10-09
---

# Caroline Garcia Oronoz

Team Lead at CrossCountry Mortgage, Destin, FL. NMLS ID 2137864 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2137864)).

**Summary:** Caroline Garcia Oronoz (NMLS 2137864) is Team Lead at CrossCountry Mortgage, based in Destin, FL. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Georgia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Jumbo loan, Non-QM loan and Real estate investor. Earliest state license record: July 6, 2023 (Florida), per state regulator. States 5 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 6, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 5 (source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Pennsylvania (PA, confirmed)
- 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

- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/

## About

With over 5 years of home financing experience, Caroline is dedicated to building wealth through real estate and empowering underrepresented communities, especially in minority homeownership.

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

## Facts from the lender page and intro

- years_experience: 5. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/, verified 2026-10-09.
- community: Advocate for increasing homeownership in minority communities. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121299 | active | confirmed | 2023-07-06 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 105201 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Destin, FL. Source: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/, 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/2137864

## Contact

- linkedin_url: https://www.linkedin.com/in/carolinegarciaoronoz/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/
- Email on file: shown at https://lendb.ai/lo/caroline-garcia-oronoz-2137864#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2137864
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/destin-fl-3685/caroline-garcia-oronoz/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Caroline Garcia Oronoz (NMLS 2137864), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/caroline-garcia-oronoz-2137864, last verified 2026-10-09.

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