--- canonical_url: https://lendb.ai/lo/sandra-lutz-533656 json_url: https://lendb.ai/lo/sandra-lutz-533656.json nmls_id: 533656 last_verified: 2026-10-09 --- # Sandee Lutz National Renovation Sales Manager at CrossCountry Mortgage, Romeo, MI. NMLS ID 533656 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/533656)). **Summary:** Sandee Lutz (NMLS 533656) is National Renovation Sales Manager at CrossCountry Mortgage, based in Romeo, MI. Licensed in Florida, confirmed with the state regulator (license LO67899). Also lists Alabama, Arkansas, California, Colorado, Connecticut, Georgia, Iowa, Idaho and 20 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and Renovation loan (203k / HomeStyle). Licensed since 2020 (per Florida records). States 20 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2020 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 20 (source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Montana (MT, lender_reported), North Dakota (ND, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), South Dakota (SD, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), Wyoming (WY, 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 - **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/ - **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/ ## About Sandee specializes in renovation financing with two decades of experience as a loan officer, focusing on FHA 203k and Homestyle loans. She serves clients in IN, FL, MN, and CO and holds a Bachelor of Business Administration from Ferris State University. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 20. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/, verified 2026-10-09. - education: Bachelor of Business Administration from Ferris State University. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/, verified 2026-10-09. - service_area: IN, FL, MN, CO; Sun City Center, FL; Odessa, WA. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/, verified 2026-10-09. - role: Regional Renovation Sales Manager. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO67899 | active | confirmed | 2020-02-13 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | 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 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | 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 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ME | 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 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ND | 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 | | OK | 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 | | SD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Romeo, MI. Source: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/, 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/533656 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/ - Office phone and Email on file: shown at https://lendb.ai/lo/sandra-lutz-533656#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/533656 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/ Cite as: Sandee Lutz (NMLS 533656), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/sandra-lutz-533656, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._