--- canonical_url: https://lendb.ai/lo/raymond-santo-367025 json_url: https://lendb.ai/lo/raymond-santo-367025.json nmls_id: 367025 last_verified: 2026-10-13 --- # Raymond Santo Branch Manager at CrossCountry Mortgage, Cleveland, OH. NMLS ID 367025 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/367025)). **Summary:** Raymond Santo (NMLS 367025) is Branch Manager at CrossCountry Mortgage, based in Cleveland, OH. Licensed in 3 states confirmed with state regulators: Florida, Pennsylvania and Texas. Also lists Arizona, Connecticut, Illinois, Maryland, Michigan, North Carolina, New Jersey, Ohio and 3 more on the lender page (not yet checked with the state regulator). Earliest state license record: June 2, 2021 (Florida), per state regulator. Last verified 2026-10-13. ## At a glance - Earliest state license record: June 2, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), Connecticut (CT, lender_reported), Illinois (IL, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, confirmed), South Carolina (SC, lender_reported), Texas (TX, confirmed), Virginia (VA, lender_reported), West Virginia (WV, 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 ## About Raymond is a dedicated real estate expert serving the Cleveland market and is licensed in Pennsylvania and Florida. He has extensive experience with loan programs including conventional, FHA, VA, and USDA loans. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - service_area: Cleveland, OH market; also Pennsylvania and Florida. Source: https://crosscountrymortgage.com/cleveland-oh-2157/raymond-santo/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO88715 | active | confirmed | 2021-06-02 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | 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 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | 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 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | 94621 | active | confirmed | | state_regulator | 2026-10-10 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | active | confirmed | 2025-12-11 | state_regulator | 2026-10-13 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Cleveland, OH. Source: https://crosscountrymortgage.com/cleveland-oh-2157/raymond-santo/, 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/367025 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cleveland-oh-2157/raymond-santo/ - Office phone and Email on file: shown at https://lendb.ai/lo/raymond-santo-367025#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/367025 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://crosscountrymortgage.com/cleveland-oh-2157/raymond-santo/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://www.sml.texas.gov/ Cite as: Raymond Santo (NMLS 367025), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/raymond-santo-367025, last verified 2026-10-13. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._