---
canonical_url: https://lendb.ai/lo/crystal-santos-690317
json_url: https://lendb.ai/lo/crystal-santos-690317.json
nmls_id: 690317
last_verified: 2026-10-15
---

# Crystal Santos

Branch Manager at Consumer Real Estate Finance Co., Spring Grove, IL. NMLS ID 690317 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/690317)).

**Summary:** Crystal Santos (NMLS 690317) is Branch Manager at Consumer Real Estate Finance Co., based in Spring Grove, IL. Licensed in Florida, confirmed with the state regulator (license LO117035). Focus areas shown on the lender page: Non-QM loan. Consumer Real Estate Finance Co. also offers First-time buyer (a lender program, not confirmed as their own focus). Earliest state license record: January 30, 2023 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 30, 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): 25 (source: https://societymortgage.com/loan-experts/crystal-santos/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://societymortgage.com/loan-experts/crystal-santos/

### Their lender offers (lender level: Consumer Real Estate Finance Co.'s programs, not confirmed as this person's focus)

- **First-time buyer** (`first-time-buyer`): verified 2026-10-13. Source: https://societymortgage.com

## About

Crystal Santos has over 25 years in mortgage lending and works as a Producing Branch Manager. They help buyers reach homeownership and homeowners lower rates through refinancing.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 25. Source: https://societymortgage.com/loan-experts/crystal-santos/, verified 2026-10-15.
- role: Producing Branch Manager. Source: https://societymortgage.com/loan-experts/crystal-santos/, verified 2026-10-15.
- other: Licensed in 9 states (states not listed). Source: https://societymortgage.com/loan-experts/crystal-santos/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117035 | active | confirmed | 2023-01-30 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Consumer Real Estate Finance Co. (NMLS 104621), Spring Grove, IL. Source: https://societymortgage.com/loan-experts/crystal-santos/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/690317

## Contact

- linkedin_url: https://www.linkedin.com/in/crystal-santos-18a42783 (source: lender_site, verified 2026-10-15)
- View profile at Consumer Real Estate Finance Co.: https://societymortgage.com/loan-experts/crystal-santos/
- Office phone and Email on file: shown at https://lendb.ai/lo/crystal-santos-690317#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/690317
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://societymortgage.com/loan-experts/crystal-santos/
- state_regulator (lender programs): https://societymortgage.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Crystal Santos (NMLS 690317), Consumer Real Estate Finance Co.. LenDb.ai, https://lendb.ai/lo/crystal-santos-690317, last verified 2026-10-15.

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