---
canonical_url: https://lendb.ai/lo/karin-gagliano-1737007
json_url: https://lendb.ai/lo/karin-gagliano-1737007.json
nmls_id: 1737007
last_verified: 2026-10-09
---

# Karin Gagliano

Loan Officer at CrossCountry Mortgage, Pittsford, NY. NMLS ID 1737007 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1737007)).

**Summary:** Karin Gagliano (NMLS 1737007) is Loan Officer at CrossCountry Mortgage, based in Pittsford, NY. Licensed in Florida, confirmed with the state regulator (license LO145669). Also lists New York and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan, Construction loan and Renovation loan (203k / HomeStyle). Earliest state license record: March 9, 2026 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 9, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), New York (NY, lender_reported), South Carolina (SC, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/

## About

With over 25 years of experience in financial services and mortgages, Karin specializes in VA home loans for veterans and active-duty service members. She serves clients across NY, FL, and SC.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145669 | active | confirmed | 2026-03-09 | state_regulator | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Pittsford, NY. Source: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/, 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/1737007

## Contact

- linkedin_url: https://www.linkedin.com/in/karingagliano/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/
- Office phone and Email on file: shown at https://lendb.ai/lo/karin-gagliano-1737007#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1737007
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/

Cite as: Karin Gagliano (NMLS 1737007), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/karin-gagliano-1737007, last verified 2026-10-09.

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