---
canonical_url: https://lendb.ai/lo/richard-cilo-2572183
json_url: https://lendb.ai/lo/richard-cilo-2572183.json
nmls_id: 2572183
last_verified: 2026-10-09
---

# Richard Cilo

Senior Loan Officer at CrossCountry Mortgage, Denville, NJ. NMLS ID 2572183 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2572183)).

**Summary:** Richard Cilo (NMLS 2572183) is Senior Loan Officer at CrossCountry Mortgage, based in Denville, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor and Self-employed. Speaks Turkish. 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.
- Licensed in: New Jersey (NJ, 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: Turkish
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/
- **Self-employed** (`self-employed`): lender page, confidence 0.85, verified 2026-10-09. Source: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/

## About

Richard has over 15 years of experience in credit, finance, commercial lending and underwriting. He serves homebuyers, homeowners, self-employed borrowers and real estate investors across North Jersey.

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

## Facts from the lender page and intro

- years_experience: more than 15 years. Source: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/, verified 2026-10-09.
- service_area: North Jersey and other licensed states. Source: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Denville, NJ. Source: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/, 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/2572183

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/
- Email on file: shown at https://lendb.ai/lo/richard-cilo-2572183#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2572183
- lender_site: https://crosscountrymortgage.com/denville-nj-3480/richard-cilo/

Cite as: Richard Cilo (NMLS 2572183), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/richard-cilo-2572183, last verified 2026-10-09.

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