---
canonical_url: https://lendb.ai/lo/virgen-fernandez-lopez-2057174
json_url: https://lendb.ai/lo/virgen-fernandez-lopez-2057174.json
nmls_id: 2057174
last_verified: 2026-10-09
---

# Virgen Fernandez

Senior Loan Officer at CrossCountry Mortgage, Winter Park, FL. NMLS ID 2057174 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2057174)).

**Summary:** Virgen Fernandez (NMLS 2057174) is Senior Loan Officer at CrossCountry Mortgage, based in Winter Park, FL. Licensed in Florida, confirmed with the state regulator (license LO78246). Focus areas shown on the lender page: Non-QM loan, VA loan and First-time buyer. Speaks Spanish. Earliest state license record: December 4, 2020 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: December 4, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/

## About

Virgen began their mortgage career in 2020 with background in accounting, finance, tax preparation and real estate. As a bilingual loan officer, they specialize in helping Hispanic homebuyers navigate loan options and various mortgage programs.

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

## Facts from the lender page and intro

- years_experience: since 2020. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/, verified 2026-10-09.
- education: Background in accounting, finance, tax preparation and real estate. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/, verified 2026-10-09.
- service_area: Ocala, Tavares, Lee Vista, Apopka, Mount Dora, FL. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO78246 | active | confirmed | 2020-12-04 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Winter Park, FL. Source: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/, 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/2057174

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/
- Office phone and Email on file: shown at https://lendb.ai/lo/virgen-fernandez-lopez-2057174#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2057174
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/winter-park-fl-4416/virgen-fernandez-lopez/

Cite as: Virgen Fernandez (NMLS 2057174), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/virgen-fernandez-lopez-2057174, last verified 2026-10-09.

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