--- canonical_url: https://lendb.ai/lo/michael-chi-ukpai-1371449 json_url: https://lendb.ai/lo/michael-chi-ukpai-1371449.json nmls_id: 1371449 last_verified: 2026-10-09 --- # Michael Chi-Ukpai Originating Branch Manager at CrossCountry Mortgage, Scottsdale, AZ. NMLS ID 1371449 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1371449)). **Summary:** Michael Chi-Ukpai (NMLS 1371449) is Originating Branch Manager at CrossCountry Mortgage, based in Scottsdale, AZ. Lists Arizona, California, Colorado, Iowa, Indiana, Maryland, Michigan, Mississippi and 4 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, Jumbo loan and VA loan. Last verified 2026-10-09. ## At a glance - Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience. - Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Iowa (IA, lender_reported), Indiana (IN, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Texas (TX, 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 - **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/ - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/ - **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/ - **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/ ## About Michael joined the mortgage industry in 2015 after graduating from University of Arizona. He specializes in first-time homebuyers, FHA, conventional, VA, and jumbo financing with a focus on white-glove service. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 2015. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/, verified 2026-10-09. - education: University of Arizona graduate. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/, verified 2026-10-09. - community: Very active in the community and committed to giving back. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | 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 | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | 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 | | MD | 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 | | 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 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | 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 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Scottsdale, AZ. Source: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/, 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/1371449 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/ - Office phone and Email on file: shown at https://lendb.ai/lo/michael-chi-ukpai-1371449#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1371449 - lender_site: https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/ Cite as: Michael Chi-Ukpai (NMLS 1371449), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-chi-ukpai-1371449, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._