---
canonical_url: https://lendb.ai/lo/michael-santos-196920
json_url: https://lendb.ai/lo/michael-santos-196920.json
nmls_id: 196920
last_verified: 2026-10-09
---

# Michael Santos

Producing Sales Manager at CrossCountry Mortgage, Montvale, NJ. NMLS ID 196920 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196920)).

**Summary:** Michael Santos (NMLS 196920) is Producing Sales Manager at CrossCountry Mortgage, based in Montvale, NJ. Licensed in Pennsylvania, confirmed with the state regulator (license 30445). Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: New Jersey (NJ, lender_reported), Pennsylvania (PA, confirmed)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3473/michael-santos/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 30445 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Montvale, NJ. Source: https://crosscountrymortgage.com/montvale-nj-3473/michael-santos/, 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/196920

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/montvale-nj-3473/michael-santos/
- Email on file: shown at https://lendb.ai/lo/michael-santos-196920#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196920
- lender_site: https://crosscountrymortgage.com/montvale-nj-3473/michael-santos/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Michael Santos (NMLS 196920), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-santos-196920, last verified 2026-10-09.

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