---
canonical_url: https://lendb.ai/lo/rafael-najera-256119
json_url: https://lendb.ai/lo/rafael-najera-256119.json
nmls_id: 256119
last_verified: 2026-10-09
---

# Rafael Najera

Senior Loan Officer at CrossCountry Mortgage, Scottsdale, AZ. NMLS ID 256119 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/256119)).

**Summary:** Rafael Najera (NMLS 256119) is Senior Loan Officer at CrossCountry Mortgage, based in Scottsdale, AZ. Licensed in Colorado, confirmed with the state regulator (license 100529222). Also lists Arizona, California, Georgia, Illinois, Kentucky, New Mexico, Nevada and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. Earliest state license record: December 20, 2021 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: December 20, 2021 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Colorado (CO, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Kentucky (KY, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, 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 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/scottsdale-az-5281/rafael-najera/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/scottsdale-az-5281/rafael-najera/

## About

Rafael serves the Scottsdale, AZ community and is based locally. He offers guidance through the mortgage process with expert advice and a personal touch.

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

## Facts from the lender page and intro

- service_area: Scottsdale, AZ. Source: https://crosscountrymortgage.com/scottsdale-az-5281/rafael-najera/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100529222 | active | confirmed | 2021-12-20 | state_regulator | 2026-10-10 |
| 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 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NM | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | 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-5281/rafael-najera/, 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/256119

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/scottsdale-az-5281/rafael-najera/
- Office phone and Email on file: shown at https://lendb.ai/lo/rafael-najera-256119#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/256119
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=289490&contact=513907
- lender_site: https://crosscountrymortgage.com/scottsdale-az-5281/rafael-najera/

Cite as: Rafael Najera (NMLS 256119), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/rafael-najera-256119, last verified 2026-10-09.

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