---
canonical_url: https://lendb.ai/lo/joseph-ratcliff-204411
json_url: https://lendb.ai/lo/joseph-ratcliff-204411.json
nmls_id: 204411
last_verified: 2026-10-09
---

# Joseph Ratcliff

Business Development Manager at CrossCountry Mortgage, Cleveland, OH. NMLS ID 204411 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204411)).

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

## At a glance

- Licensed since 2020 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Georgia (GA, lender_reported), Minnesota (MN, lender_reported), Oregon (OR, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO67950 | active | confirmed | 2020-02-14 | state_regulator | 2026-10-09 |
| CO | state_license | 100516719 | active | confirmed | 2020-02-28 | state_regulator | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Cleveland, OH. Source: https://crosscountrymortgage.com/cleveland-oh-1097/joseph-ratcliff/, 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/204411

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cleveland-oh-1097/joseph-ratcliff/
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-ratcliff-204411#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204411
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=244279&contact=464416
- lender_site: https://crosscountrymortgage.com/cleveland-oh-1097/joseph-ratcliff/

Cite as: Joseph Ratcliff (NMLS 204411), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-ratcliff-204411, last verified 2026-10-09.

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