---
canonical_url: https://lendb.ai/lo/theoni-rapo-1527462
json_url: https://lendb.ai/lo/theoni-rapo-1527462.json
nmls_id: 1527462
last_verified: 2026-10-09
---

# Theoni Rapo

Loan Officer at CrossCountry Mortgage, Rehoboth Beach, DE. NMLS ID 1527462 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1527462)).

**Summary:** Theoni Rapo (NMLS 1527462) is Loan Officer at CrossCountry Mortgage, based in Rehoboth Beach, DE. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists California, District of Columbia, Delaware, Georgia, Maryland, Texas and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and HELOC. Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), Pennsylvania (PA, confirmed), Texas (TX, lender_reported), Virginia (VA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/

## About

Theoni has nearly a decade of mortgage experience since age 18, holds a double major in economics and business from Washington College, and creates personalized paths to help clients achieve homeownership goals.

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

## Facts from the lender page and intro

- years_experience: nearly a decade. Source: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/, verified 2026-10-09.
- education: Washington College, double major in economics and business. Source: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/, verified 2026-10-09.
- service_area: Rehoboth Beach, DE and Ocean View, DE. Source: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO116275 | active | confirmed | 2023-01-03 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | 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 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 103370 | active | confirmed |  | state_regulator | 2026-10-10 |
| TX | 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 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Rehoboth Beach, DE. Source: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/, 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/1527462

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/
- Email on file: shown at https://lendb.ai/lo/theoni-rapo-1527462#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1527462
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/rehoboth-beach-de-5027/theoni-rapo/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Theoni Rapo (NMLS 1527462), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/theoni-rapo-1527462, last verified 2026-10-09.

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