--- canonical_url: https://lendb.ai/lo/zachary-santo-1662545 json_url: https://lendb.ai/lo/zachary-santo-1662545.json nmls_id: 1662545 last_verified: 2026-10-09 --- # Zachary Santo Branch Manager at CrossCountry Mortgage, Cleveland, OH. NMLS ID 1662545 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1662545)). **Summary:** Zachary Santo (NMLS 1662545) is Branch Manager at CrossCountry Mortgage, based in Cleveland, OH. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Arkansas, Arizona, California, Illinois, Kansas, Kentucky, Massachusetts, Minnesota and 14 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2018 (per Florida records). States 6 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2018 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 6 (source: https://crosscountrymortgage.com/cleveland-oh-2157/zachary-santo/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, confirmed), Illinois (IL, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Massachusetts (MA, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, confirmed), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), Wyoming (WY, 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-2157/zachary-santo/ ## About Zachary has six years of mortgage experience and is dedicated to helping families secure their dream homes in Cleveland, understanding how much homeownership means to families. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 6. Source: https://crosscountrymortgage.com/cleveland-oh-2157/zachary-santo/, verified 2026-10-09. - service_area: Cleveland, OH. Source: https://crosscountrymortgage.com/cleveland-oh-2157/zachary-santo/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO49306 | active | confirmed | 2018-01-02 | state_regulator | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 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 | | CO | state_license | 100514939 | active | confirmed | 2019-08-29 | state_regulator | 2026-10-10 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | 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 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | 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 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | 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 | | OK | 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 | 66145 | active | confirmed | | state_regulator | 2026-10-10 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | UT | 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 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | 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-2157/zachary-santo/, 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/1662545 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cleveland-oh-2157/zachary-santo/ - Office phone and Email on file: shown at https://lendb.ai/lo/zachary-santo-1662545#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1662545 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://crosscountrymortgage.com/cleveland-oh-2157/zachary-santo/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=239044&contact=459111 - state_regulator: https://data.pa.gov/d/tyxc-jyug Cite as: Zachary Santo (NMLS 1662545), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/zachary-santo-1662545, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._