---
canonical_url: https://lendb.ai/lo/joni-utnage-689931
json_url: https://lendb.ai/lo/joni-utnage-689931.json
nmls_id: 689931
last_verified: 2026-10-09
---

# Joni Utnage

Loan Officer at CrossCountry Mortgage, Naples, FL. NMLS ID 689931 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/689931)).

**Summary:** 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 2026-10-09.

## At a glance

- Years licensed: 5
- Years experience (stated by the LO): 20 (source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/, verified 2026-10-09)
- Licensed in: Florida (FL), Illinois (IL)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/

## 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.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/, verified 2026-10-09.
- service_area: Neil Street, IL and Coco River, FL. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| FL | state_license | LO94548 | active | 2021-09-15 | state_regulator | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Naples, FL. Source: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/, 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/689931

## Contact

- linkedin_url: https://www.linkedin.com/in/joni-utnage-11ba847/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/
- Office phone and Email on file: shown at https://lendb.ai/lo/joni-utnage-689931#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/689931
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/

Cite as: Joni Utnage (NMLS 689931), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joni-utnage-689931, last verified 2026-10-09.

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