---
canonical_url: https://lendb.ai/lo/luis-kercado-661857
json_url: https://lendb.ai/lo/luis-kercado-661857.json
nmls_id: 661857
last_verified: 2026-10-09
---

# Luis Kercado

Loan Officer at CrossCountry Mortgage, Tequesta, FL. NMLS ID 661857 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/661857)).

**Summary:** Luis Kercado (NMLS 661857) is Loan Officer at CrossCountry Mortgage, based in Tequesta, FL. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Texas, Virginia and Wisconsin on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor, FHA loan and HELOC. Speaks English and Spanish. Licensed since 2025 (per Colorado records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Colorado records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Wisconsin (WI, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/

## About

Luis has over 20 years of experience in banking, corresponding and brokerage lending. They serve Loxahatchee, FL and are fluent in English and Spanish.

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/tequesta-fl-3939/luis-kercado/, verified 2026-10-09.
- service_area: Loxahatchee, FL. Source: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136368 | active | confirmed | 2025-03-20 | state_regulator | 2026-10-09 |
| CO | state_license | 100541059 | active | confirmed | 2025-01-22 | state_regulator | 2026-10-09 |
| GA | 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 |
| MS | 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 |
| SC | 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 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Tequesta, FL. Source: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/, 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/661857

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/
- Office phone and Email on file: shown at https://lendb.ai/lo/luis-kercado-661857#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/661857
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=335058&contact=568015
- lender_site: https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/

Cite as: Luis Kercado (NMLS 661857), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/luis-kercado-661857, last verified 2026-10-09.

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