---
canonical_url: https://lendb.ai/lo/charlene-rivera-pagan-22148
json_url: https://lendb.ai/lo/charlene-rivera-pagan-22148.json
nmls_id: 22148
last_verified: 2026-10-09
---

# Charlene Rivera

Loan Officer at CrossCountry Mortgage, Naples, FL. NMLS ID 22148 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22148)).

**Summary:** Charlene Rivera (NMLS 22148) is Loan Officer at CrossCountry Mortgage, based in Naples, FL. Licensed in Florida, confirmed with the state regulator (license LO24381). Focus areas shown on the lender page: First-time buyer. Earliest state license record: April 15, 2014 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 15, 2014 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/naples-fl-3744/charlene-rivera/

## About

Charlene joined the mortgage industry in 1999 and specializes in helping first-time homebuyers. She serves all of Florida with a focus on guiding clients through the home financing process.

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

## Facts from the lender page and intro

- years_experience: since 1999. Source: https://crosscountrymortgage.com/naples-fl-3744/charlene-rivera/, verified 2026-10-09.
- service_area: Florida. Source: https://crosscountrymortgage.com/naples-fl-3744/charlene-rivera/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO24381 | active | confirmed | 2014-04-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Naples, FL. Source: https://crosscountrymortgage.com/naples-fl-3744/charlene-rivera/, 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/22148

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/naples-fl-3744/charlene-rivera/
- Office phone and Email on file: shown at https://lendb.ai/lo/charlene-rivera-pagan-22148#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22148
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/naples-fl-3744/charlene-rivera/

Cite as: Charlene Rivera (NMLS 22148), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/charlene-rivera-pagan-22148, last verified 2026-10-09.

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