---
canonical_url: https://lendb.ai/lo/raymond-northcutt-1982088
json_url: https://lendb.ai/lo/raymond-northcutt-1982088.json
nmls_id: 1982088
last_verified: 2026-10-09
---

# Raymond Northcutt

Senior Loan Officer at CrossCountry Mortgage, Meridian, ID. NMLS ID 1982088 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1982088)).

**Summary:** Raymond Northcutt (NMLS 1982088) is Senior Loan Officer at CrossCountry Mortgage, based in Meridian, ID. Lists Arizona and Idaho on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and First-time buyer. Earliest state license record: November 10, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 10, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), Idaho (ID, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/

## About

Army Veteran and West Point graduate (2013) who discovered real estate through engineering work and now helps veterans achieve homeownership through VA loans as part of the Victor Alpha Group.

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

## Facts from the lender page and intro

- years_experience: since 2013. Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/, verified 2026-10-09.
- role: co-founder/member of Victor Alpha Group. Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/, verified 2026-10-09.
- education: West Point graduate (2013). Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/, verified 2026-10-09.
- service_area: McCall, ID area; formerly Savannah, GA. Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO97366 | expired | confirmed | 2021-11-10 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Meridian, ID. Source: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/, 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/1982088

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/
- Office phone and Email on file: shown at https://lendb.ai/lo/raymond-northcutt-1982088#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1982088
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/meridian-id-4544/raymond-northcutt/

Cite as: Raymond Northcutt (NMLS 1982088), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/raymond-northcutt-1982088, last verified 2026-10-09.

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