---
canonical_url: https://lendb.ai/lo/jeff-zappone-136372
json_url: https://lendb.ai/lo/jeff-zappone-136372.json
nmls_id: 136372
last_verified: 2026-10-09
---

# Jeff Zappone

Senior Loan Officer at CrossCountry Mortgage, Fairfield, CT. NMLS ID 136372 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/136372)).

**Summary:** Jeff Zappone (NMLS 136372) is Senior Loan Officer at CrossCountry Mortgage, based in Fairfield, CT. Licensed in Florida, confirmed with the state regulator (license LO89957). Also lists Connecticut and Rhode Island on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, Real estate investor and First-time buyer. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Connecticut (CT, lender_reported), Rhode Island (RI, 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 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/fairfield-ct-5813/jeff-zappone/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/fairfield-ct-5813/jeff-zappone/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/fairfield-ct-5813/jeff-zappone/

## About

Jeff has gained extensive experience closing home loans and prioritizes customer service. They guide borrowers through the mortgage process and ensure a personalized experience.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO89957 | active | confirmed | 2021-06-22 | state_regulator | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| RI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Fairfield, CT. Source: https://crosscountrymortgage.com/fairfield-ct-5813/jeff-zappone/, 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/136372

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/fairfield-ct-5813/jeff-zappone/
- Email on file: shown at https://lendb.ai/lo/jeff-zappone-136372#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/136372
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/fairfield-ct-5813/jeff-zappone/

Cite as: Jeff Zappone (NMLS 136372), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/jeff-zappone-136372, last verified 2026-10-09.

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