---
canonical_url: https://lendb.ai/lo/tom-gates-61691
json_url: https://lendb.ai/lo/tom-gates-61691.json
nmls_id: 61691
last_verified: 2026-10-09
---

# Tom Gates

Loan Officer at CrossCountry Mortgage, Montvale, NJ. NMLS ID 61691 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/61691)).

**Summary:** Tom Gates (NMLS 61691) is Loan Officer at CrossCountry Mortgage, based in Montvale, NJ. Lists Connecticut, New Jersey, New York, Oregon and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Renovation loan (203k / HomeStyle) and First-time buyer. States 30 years of experience. 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.
- Years experience (stated by the LO): 30 (source: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/, verified 2026-10-09)
- Licensed in: Connecticut (CT, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Oregon (OR, 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/montvale-nj-4333/thomas-gates/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/

## About

Veteran of over 30 years in home financing with consistent President's Club and Chairman Elite recognition. Native of Princeton, NJ, serving clients with partner Ren since 2020.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/, verified 2026-10-09.
- community: Volunteering weekly at Double Brook, a sustainable farm in Hopewell. Source: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 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 |
| OR | 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), Montvale, NJ. Source: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/, 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/61691

## Contact

- linkedin_url: https://www.linkedin.com/in/tom-gates-2664958/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/
- Office phone and Email on file: shown at https://lendb.ai/lo/tom-gates-61691#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/61691
- lender_site: https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/

Cite as: Tom Gates (NMLS 61691), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/tom-gates-61691, last verified 2026-10-09.

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