---
canonical_url: https://lendb.ai/lo/charles-gates-2275487
json_url: https://lendb.ai/lo/charles-gates-2275487.json
nmls_id: 2275487
last_verified: 2026-10-09
---

# Ren Gates

Loan Officer at CrossCountry Mortgage, Bend, OR. NMLS ID 2275487 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2275487)).

**Summary:** Ren Gates (NMLS 2275487) is Loan Officer at CrossCountry Mortgage, based in Bend, OR. Licensed in Florida, confirmed with the state regulator (license LO118316). Also lists California, Georgia, Idaho, New Jersey, Oregon, Tennessee and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan, Real estate investor and First-time buyer. Earliest state license record: March 22, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 22, 2023 (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), California (CA, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), New Jersey (NJ, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, 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

- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/bend-or-4320/charles-gates/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/bend-or-4320/charles-gates/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bend-or-4320/charles-gates/

## About

Ren is the son of a 30+ year mortgage veteran and co-runs Team Gates. He and his partner emphasize timely communication, creative problem-solving, and stress-free home financing for first-time buyers, multi-home purchasers, and refinancers.

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

## Facts from the lender page and intro

- years_experience: 30+. Source: https://crosscountrymortgage.com/bend-or-4320/charles-gates/, verified 2026-10-09.
- role: business partner with father Tom (Team Gates). Source: https://crosscountrymortgage.com/bend-or-4320/charles-gates/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO118316 | active | confirmed | 2023-03-22 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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), Bend, OR. Source: https://crosscountrymortgage.com/bend-or-4320/charles-gates/, 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/2275487

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/bend-or-4320/charles-gates/
- Office phone and Email on file: shown at https://lendb.ai/lo/charles-gates-2275487#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2275487
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/bend-or-4320/charles-gates/

Cite as: Ren Gates (NMLS 2275487), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/charles-gates-2275487, last verified 2026-10-09.

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