---
canonical_url: https://lendb.ai/lo/ricardo-pacheco-454956
json_url: https://lendb.ai/lo/ricardo-pacheco-454956.json
nmls_id: 454956
last_verified: 2026-10-09
---

# Ricardo Pacheco

Sales Manager at CrossCountry Mortgage, Charlotte, NC. NMLS ID 454956 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/454956)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 22 (source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/, verified 2026-10-09)
- Licensed in: California (CA, lender_reported), Colorado (CO, lender_reported), Oregon (OR, 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/charlotte-nc-4562/richard-pacheco/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/

## 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.

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

## Facts from the lender page and intro

- years_experience: 22. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/, verified 2026-10-09.
- credential: U.S. Marine Corps Veteran. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/, verified 2026-10-09.
- credential: National Board Director for VAREP, Inc.. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/, 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 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Charlotte, NC. Source: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/, 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/454956

## Contact

- linkedin_url: https://www.linkedin.com/in/ricardopacheco916/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-pacheco-454956#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/454956
- lender_site: https://crosscountrymortgage.com/charlotte-nc-4562/richard-pacheco/

Cite as: Ricardo Pacheco (NMLS 454956), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/ricardo-pacheco-454956, last verified 2026-10-09.

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