---
canonical_url: https://lendb.ai/lo/nicole-habib-659153
json_url: https://lendb.ai/lo/nicole-habib-659153.json
nmls_id: 659153
last_verified: 2026-10-09
---

# Nicole Habib

Senior Loan Officer at CrossCountry Mortgage, Montvale, NJ. NMLS ID 659153 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659153)).

**Summary:** Nicole Habib (NMLS 659153) is Senior Loan Officer at CrossCountry Mortgage, based in Montvale, NJ. Licensed in Florida, confirmed with the state regulator (license LO141616). Also lists New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Non-QM loan and Real estate investor. Earliest state license record: September 26, 2025 (Florida), per state regulator. States 11 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 26, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 11 (source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), New York (NY, 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

- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/

## About

Top-producing advisor with over 11 years of mortgage industry experience. Began in her father's mortgage company, earned a Finance degree from Monmouth University, achieved top producer status at banks and mortgage firms, and is a Certified Mortgage Advisor.

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

## Facts from the lender page and intro

- years_experience: 11. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09.
- education: Bachelor's degree in Finance from Monmouth University. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09.
- credential: Certified Mortgage Advisor. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09.
- role: Sales Manager at Mortgage Market Guide. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09.
- credential: Appeared on Fox television sharing mortgage knowledge. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09.
- role: Consultant for MBS Highway, helping create innovative products. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO141616 | active | confirmed | 2025-09-26 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Montvale, NJ. Source: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/, 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/659153

## Contact

- linkedin_url: https://linkedin.com/in/nicole-habib-604b3333/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/
- Office phone and Email on file: shown at https://lendb.ai/lo/nicole-habib-659153#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659153
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/montvale-nj-3408/nicole-habib-pace/

Cite as: Nicole Habib (NMLS 659153), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/nicole-habib-659153, last verified 2026-10-09.

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