---
canonical_url: https://lendb.ai/lo/zak-raffel-1470292
json_url: https://lendb.ai/lo/zak-raffel-1470292.json
nmls_id: 1470292
last_verified: 2026-10-09
---

# Zak Raffel

Regional Sales Manager at CrossCountry Mortgage, Montvale, NJ. NMLS ID 1470292 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1470292)).

**Summary:** 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). Earliest state license record: January 18, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 18, 2022 (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), Connecticut (CT, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/

## 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.

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

## Facts from the lender page and intro

- service_area: Montvale, Saddle Brook, Hillsdale, Saddle River, River Vale, NJ. Source: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO100600 | active | confirmed | 2022-01-18 | state_regulator | 2026-10-09 |
| 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 |
| PA | state_license | 106578 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Montvale, NJ. Source: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/, 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/1470292

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/
- Office phone and Email on file: shown at https://lendb.ai/lo/zak-raffel-1470292#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1470292
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/montvale-nj-3846/zak-raffel/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Zak Raffel (NMLS 1470292), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/zak-raffel-1470292, last verified 2026-10-09.

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