Joseph Ratcliff
Business Development Manager at CrossCountry Mortgage · Cleveland, OH
NMLS ID 204411 (opens in a new tab) · verify at NMLS Consumer Access
Joseph Ratcliff (NMLS 204411) is Business Development Manager at CrossCountry Mortgage, based in Cleveland, OH. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Georgia, Minnesota and Oregon on the lender page (not yet checked with the state regulator). Licensed since 2020 (per Florida records).
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com), Florida state regulator, Colorado state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2020 (per Florida records)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Colorado, Georgia, Minnesota, Oregon
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO67950, since 2020), CO (opens in a new tab) (100516719, since 2020), verified 2026-10-09.
Lender-reported: GA, MN, OR are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
CrossCountry Mortgage NMLS 3029
Current · Cleveland, OH · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · apps.colorado.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | 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: Joseph Ratcliff (NMLS 204411), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-ratcliff-204411, last verified 2026-10-09.
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