--- canonical_url: https://lendb.ai/lo/charles-oliver-175312 json_url: https://lendb.ai/lo/charles-oliver-175312.json nmls_id: 175312 last_verified: 2026-10-09 --- # Charles Oliver Loan Officer at CrossCountry Mortgage, Delray Beach, FL. NMLS ID 175312 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/175312)). **Summary:** Charles Oliver (NMLS 175312) is Loan Officer at CrossCountry Mortgage, based in Delray Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO31585). Also lists Alabama, Arizona, California, Illinois, Indiana, Michigan, North Carolina, Ohio and 6 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Non-QM loan and HELOC. Licensed since 2015 (per Florida records). States 17 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2015 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 17 (source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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 - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/ - **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/ - **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/ ## About Charles Oliver brings 17 years of mortgage experience guiding clients from first-time homebuyers to high-net-worth individuals. A northeast Florida native, he provides clear communication and personalized service throughout the financing process. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 17. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/, verified 2026-10-09. - service_area: northeast Florida. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO31585 | active | confirmed | 2015-09-11 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | 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 | | PA | 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 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Delray Beach, FL. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/, 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/175312 ## Contact - linkedin_url: https://www.linkedin.com/in/charles-oliver-a0b5369/ (source: lender_site, verified 2026-10-09) - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/ - Office phone and Email on file: shown at https://lendb.ai/lo/charles-oliver-175312#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/175312 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/ Cite as: Charles Oliver (NMLS 175312), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/charles-oliver-175312, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._