--- canonical_url: https://lendb.ai/lo/charles-toll-1783114 json_url: https://lendb.ai/lo/charles-toll-1783114.json nmls_id: 1783114 last_verified: 2026-10-09 --- # Charles Toll Senior Loan Officer at CrossCountry Mortgage, San Juan Capistrano, CA. NMLS ID 1783114 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1783114)). **Summary:** Charles Toll (NMLS 1783114) is Senior Loan Officer at CrossCountry Mortgage, based in San Juan Capistrano, CA. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arizona, California, Georgia, Hawaii, Illinois, Indiana, Montana, New Mexico and 7 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, Real estate investor, Self-employed and First-time buyer. Earliest state license record: December 12, 2018 (Colorado), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: December 12, 2018 (Colorado), 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), Colorado (CO, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Hawaii (HI, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Montana (MT, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Utah (UT, lender_reported), Virginia (VA, 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 - **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/ - **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/ - **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/ - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/ ## About Charles Toll specializes in Non-Qualified Mortgage (Non-QM) solutions for self-employed borrowers, real estate investors, and those with non-traditional income. He offers flexible programs including Bank Statement, DSCR, 1099, and Asset Qualifier loans. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - service_area: Ramona, La Costa Carlsbad, Lakeside, Coronado, Rancho Penasquitos, CA. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO130855 | active | confirmed | 2024-08-07 | state_regulator | 2026-10-09 | | CO | state_license | 100513012 | active | confirmed | 2018-12-12 | state_regulator | 2026-10-10 | | 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 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | HI | 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 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | 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 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | UT | 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 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), San Juan Capistrano, CA. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/, 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/1783114 ## Contact - linkedin_url: https://www.linkedin.com/in/charlest041984/ (source: lender_site, verified 2026-10-09) - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/ - Office phone and Email on file: shown at https://lendb.ai/lo/charles-toll-1783114#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1783114 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=225460&contact=445127 - lender_site: https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/ Cite as: Charles Toll (NMLS 1783114), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/charles-toll-1783114, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._