---
canonical_url: https://lendb.ai/lo/ralph-gifoli-136644
json_url: https://lendb.ai/lo/ralph-gifoli-136644.json
nmls_id: 136644
last_verified: 2026-10-09
---

# Ralph Gifoli

Senior Loan Officer at CrossCountry Mortgage, Wayne, PA. NMLS ID 136644 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/136644)).

**Summary:** Ralph Gifoli (NMLS 136644) is Senior Loan Officer at CrossCountry Mortgage, based in Wayne, PA. Licensed in Pennsylvania, confirmed with the state regulator (license 121931). Also lists California, Delaware, Florida, Maryland and New Jersey on the lender page (not yet checked with the state regulator). 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: California (CA, lender_reported), Delaware (DE, lender_reported), Florida (FL, lender_reported), Maryland (MD, lender_reported), 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


## About

Ralph is a Senior Loan Officer in Wayne, PA with years of experience and a commitment to top-tier service, helping clients navigate home financing with expert guidance and straightforward answers.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| FL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 121931 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Wayne, PA. Source: https://crosscountrymortgage.com/wayne-pa-4893/ralph-gifoli/, 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/136644

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/wayne-pa-4893/ralph-gifoli/
- Office phone and Email on file: shown at https://lendb.ai/lo/ralph-gifoli-136644#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/136644
- lender_site: https://crosscountrymortgage.com/wayne-pa-4893/ralph-gifoli/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Ralph Gifoli (NMLS 136644), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/ralph-gifoli-136644, last verified 2026-10-09.

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