Joni Utnage
Loan Officer at CrossCountry Mortgage · Naples, FL
NMLS ID 689931 (opens in a new tab) · verify at NMLS Consumer Access
Joni Utnage (NMLS 689931) is Loan Officer at CrossCountry Mortgage, based in Naples, FL. Licensed in 2 states: Florida and Illinois. Focus areas shown on the lender page: Self-employed, Non-QM loan, VA loan and First-time buyer. 5 years licensed.
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- 5 years licensed
- 2 states
- Unclaimed profile
- No actions on file
Specialties
Where we saw these: crosscountrymortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Confirmed with the state regulator: FL (opens in a new tab) (LO94548, since 2021), verified 2026-10-09.
Others as listed on the lender page (IL), not yet checked against state regulators.
Contact
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Employment history
CrossCountry Mortgage NMLS 3029
Current · Naples, FL · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
With over 20 years of mortgage industry experience, Joni specializes in first-time buyers, self-employed borrowers, investment properties, and second homes. They also work with non-QM loans and VA loans.
Our summary of the lender page. Verified 2026-10-09.
Reviews
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Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Joni Utnage (NMLS 689931), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joni-utnage-689931, last verified 2026-10-09.
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