---
canonical_url: https://lendb.ai/lo/nicholas-orapallo-365326
json_url: https://lendb.ai/lo/nicholas-orapallo-365326.json
nmls_id: 365326
last_verified: 2026-10-09
---

# Nicholas Orapallo

Loan Officer at CrossCountry Mortgage, Union, NJ. NMLS ID 365326 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/365326)).

**Summary:** Nicholas Orapallo (NMLS 365326) is Loan Officer at CrossCountry Mortgage, based in Union, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and 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)
- 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 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/

## About

Nicholas started his mortgage career in 1986 and specializes in finding creative solutions for homeownership. Based in southern New Jersey, he is known for being proactive, responsive, and transparent.

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

## Facts from the lender page and intro

- years_experience: 1986. Source: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/, verified 2026-10-09.
- service_area: southern New Jersey. Source: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/, verified 2026-10-09.
- education: degrees in music arts and dietetics. Source: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/, verified 2026-10-09.

## 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 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Union, NJ. Source: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/, 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/365326

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/
- Email on file: shown at https://lendb.ai/lo/nicholas-orapallo-365326#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/365326
- lender_site: https://crosscountrymortgage.com/union-nj-4257/nicholas-orapallo/

Cite as: Nicholas Orapallo (NMLS 365326), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/nicholas-orapallo-365326, last verified 2026-10-09.

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