--- canonical_url: https://lendb.ai/lo/karen-chiu-611778 json_url: https://lendb.ai/lo/karen-chiu-611778.json nmls_id: 611778 last_verified: 2026-10-09 --- # Karen Chiu SVP of Mortgage Lending at CrossCountry Mortgage, San Gabriel, CA. NMLS ID 611778 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/611778)). **Summary:** Karen Chiu (NMLS 611778) is SVP of Mortgage Lending at CrossCountry Mortgage, based in San Gabriel, CA. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Arizona, California, Georgia, Illinois, Indiana, Kentucky and 10 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, First-time buyer, Non-QM loan and New construction. Licensed since 2020 (per Colorado records). Last verified 2026-10-09. ## At a glance - Licensed since 2020 (per Colorado records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, confirmed), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Michigan (MI, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, confirmed), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Washington (WA, 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 - **Condo** (`condo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/ - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/ - **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/ - **New construction** (`new-construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/ ## About Karen has specialized in first-time homebuyers and non-QM loans for new construction purchases since joining the mortgage industry in the 1990s, earning multiple Top Originator and diversity awards. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: since 1990s. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: Scotsman Guide Top Originator #118 Top Dollar Volume, Top FHA Volume, Most Loans Closed, Top Purchase Volume (2020–2023). Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: Scotsman Guide Top Women Originator #27 nationally (2018–2023). Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: AREAA A-list winner (2016–2023). Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: President's Council (2015–2023). Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: Mortgage Banker Magazine's Powerful Women of Mortgage Banking 2022. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: Profiles in Diversity Journal's Asian Leader Worth Watching (2021–2023). Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. - credential: Mortgage Executive Magazine's Top 1% Mortgage Originators in America (2017–2022). Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO116610 | active | confirmed | 2023-01-17 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | 100517514 | active | confirmed | 2020-06-01 | state_regulator | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | 115308 | active | confirmed | | state_regulator | 2026-10-10 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), San Gabriel, CA. Source: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/, 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/611778 ## Contact - linkedin_url: https://www.linkedin.com/in/karenchiumortgagelender/ (source: lender_site, verified 2026-10-09) - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/ - Email on file: shown at https://lendb.ai/lo/karen-chiu-611778#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/611778 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=247373&contact=467761 - state_regulator: https://data.pa.gov/d/tyxc-jyug Cite as: Karen Chiu (NMLS 611778), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/karen-chiu-611778, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._