---
canonical_url: https://lendb.ai/lo/theresa-owca-1115620
json_url: https://lendb.ai/lo/theresa-owca-1115620.json
nmls_id: 1115620
last_verified: 2026-10-09
---

# Theresa Owca

Business Development Manager at CrossCountry Mortgage, Cleveland, OH. NMLS ID 1115620 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1115620)).

**Summary:** Theresa Owca (NMLS 1115620) is Business Development Manager at CrossCountry Mortgage, based in Cleveland, OH. Licensed in Colorado, confirmed with the state regulator (license 100536511). Also lists Ohio on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: May 2, 2023 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 2, 2023 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Colorado (CO, confirmed), Ohio (OH, 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/cleveland-oh-2131/theresa-owca/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100536511 | active | confirmed | 2023-05-02 | state_regulator | 2026-10-10 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Cleveland, OH. Source: https://crosscountrymortgage.com/cleveland-oh-2131/theresa-owca/, 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/1115620

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cleveland-oh-2131/theresa-owca/
- Office phone and Email on file: shown at https://lendb.ai/lo/theresa-owca-1115620#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1115620
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=314581&contact=543745
- lender_site: https://crosscountrymortgage.com/cleveland-oh-2131/theresa-owca/

Cite as: Theresa Owca (NMLS 1115620), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/theresa-owca-1115620, last verified 2026-10-09.

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