Ricardo Pacheco
Sales Manager at CrossCountry Mortgage · Charlotte, NC
NMLS ID 454956 (opens in a new tab) · verify at NMLS Consumer Access
Ricardo Pacheco (NMLS 454956) is Sales Manager at CrossCountry Mortgage, based in Charlotte, NC. Lists California, Colorado and Oregon on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan and FHA loan. States 22 years of experience.
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com) and NMLS Consumer Access (license status, check live).
- 22 years experience (stated)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
- VA loanlender page
- Non-QM loanlender page
- Renovation loan (203k / HomeStyle)lender page
- USDA loanlender page
- FHA loanlender page
Where we saw these: crosscountrymortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Lender-reported: CA, CO, OR are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
CrossCountry Mortgage NMLS 3029
Current · Charlotte, NC · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Ricardo is a U.S. Marine Corps Veteran with over 22 years of mortgage experience who specializes in VA loans and serves the military community. He is a National Board Director for VAREP, Inc., supporting veteran homeownership and policy advocacy.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Ricardo Pacheco (NMLS 454956), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/ricardo-pacheco-454956, last verified 2026-10-09.
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