---
canonical_url: https://lendb.ai/lo/steven-luzzi-276620
json_url: https://lendb.ai/lo/steven-luzzi-276620.json
nmls_id: 276620
last_verified: 2026-10-09
---

# Steven Luzzi

Branch Manager at CrossCountry Mortgage, Summit, NJ. NMLS ID 276620 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/276620)).

**Summary:** Steven Luzzi (NMLS 276620) is Branch Manager at CrossCountry Mortgage, based in Summit, NJ. Licensed in Florida, confirmed with the state regulator (license LO117264). Also lists New Jersey, New York and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Jumbo loan and Non-QM loan. Licensed since 2023 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/

## About

With over 20 years of mortgage experience, Steven is licensed in New Jersey, New York, Florida, and Pennsylvania, serving homebuyers, homeowners, and investors across multiple states.

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/summit-nj-3479/steven-luzzi/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117264 | active | confirmed | 2023-02-08 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Summit, NJ. Source: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/, 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/276620

## Contact

- linkedin_url: https://linkedin.com/in/steven-luzzi-75763529 (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/
- Office phone and Email on file: shown at https://lendb.ai/lo/steven-luzzi-276620#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/276620
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/

Cite as: Steven Luzzi (NMLS 276620), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/steven-luzzi-276620, last verified 2026-10-09.

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