---
canonical_url: https://lendb.ai/lo/viviana-albino-gutierrez-2782659
json_url: https://lendb.ai/lo/viviana-albino-gutierrez-2782659.json
nmls_id: 2782659
last_verified: 2026-10-13
---

# Viviana Albino

Loan Officer at CrossCountry Mortgage, Cleveland, OH. NMLS ID 2782659 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2782659)).

**Summary:** Viviana Albino (NMLS 2782659) is Loan Officer at CrossCountry Mortgage, based in Cleveland, OH. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, California, Illinois, Indiana, Massachusetts, Maryland, North Carolina, Ohio and 3 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and HELOC. Earliest state license record: January 15, 2026 (Florida), per state regulator. Last verified 2026-10-13.

## At a glance

- Earliest state license record: January 15, 2026 (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), Arizona (AZ, lender_reported), California (CA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Texas (TX, confirmed), 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/cleveland-oh-2036/viviana-albino-gutierrez/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/cleveland-oh-2036/viviana-albino-gutierrez/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO144205 | active | confirmed | 2026-01-15 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | 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 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | 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 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | active | confirmed | 2026-02-10 | state_regulator | 2026-10-13 |
| VA | 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-2036/viviana-albino-gutierrez/, 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/2782659

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cleveland-oh-2036/viviana-albino-gutierrez/
- Office phone and Email on file: shown at https://lendb.ai/lo/viviana-albino-gutierrez-2782659#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2782659
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/cleveland-oh-2036/viviana-albino-gutierrez/
- state_regulator: https://www.sml.texas.gov/

Cite as: Viviana Albino (NMLS 2782659), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/viviana-albino-gutierrez-2782659, last verified 2026-10-13.

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