Zak Raffel
Regional Sales Manager at CrossCountry Mortgage · Montvale, NJ
NMLS ID 1470292 (opens in a new tab) · verify at NMLS Consumer Access
Zak Raffel (NMLS 1470292) is Regional Sales Manager at CrossCountry Mortgage, based in Montvale, NJ. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Connecticut, New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Down payment assistance, Non-QM loan and Renovation loan (203k / HomeStyle). Licensed since 2022 (per Florida records).
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com), Florida state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
- Condolender page
- Down payment assistancelender page
- Non-QM loanlender page
- Renovation loan (203k / HomeStyle)lender page
Where we saw these: crosscountrymortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Connecticut, New Jersey, New York, Pennsylvania
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO100600, since 2022), PA (opens in a new tab) (106578), verified 2026-10-09.
Lender-reported: CT, NJ, NY are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
CrossCountry Mortgage NMLS 3029
Current · Montvale, NJ · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Zak prioritizes educating clients on the mortgage process and delivering personalized service. He focuses on helping clients find the best loan product for their needs while serving the Montvale, NJ community.
Our summary of the lender page. Verified 2026-10-09.
- Serves
- Montvale, Saddle Brook, Hillsdale, Saddle River, River Vale, NJ
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Zak Raffel (NMLS 1470292), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/zak-raffel-1470292, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.