---
canonical_url: https://lendb.ai/lo/nicolas-rios-1997670
json_url: https://lendb.ai/lo/nicolas-rios-1997670.json
nmls_id: 1997670
last_verified: 2026-10-09
---

# Nick Rios

VP of Mortgage Lending at CrossCountry Mortgage, Wilmington, NC. NMLS ID 1997670 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997670)).

**Summary:** Nick Rios (NMLS 1997670) is VP of Mortgage Lending at CrossCountry Mortgage, based in Wilmington, NC. Lists North Carolina, Pennsylvania and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Non-QM loan and First-time buyer. Speaks English and Spanish. Earliest state license record: November 3, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 3, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: North Carolina (NC, lender_reported), Pennsylvania (PA, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/

## Facts from the lender page and intro

- service_area: Wilmington, NC. Source: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO114836 | expired | confirmed | 2022-11-03 | state_regulator | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | 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), Wilmington, NC. Source: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/, 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/1997670

## Contact

- linkedin_url: https://www.linkedin.com/in/niosrios/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/
- Office phone and Email on file: shown at https://lendb.ai/lo/nicolas-rios-1997670#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997670
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/

Cite as: Nick Rios (NMLS 1997670), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/nicolas-rios-1997670, last verified 2026-10-09.

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