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Julio A. Cruz is a seasoned mortgage lending professional with extensive experience in leadership and production roles within the industry. Currently serving as the Vice President of Mortgage Lending at Rate since November 2025, Julio has previously held positions as Producing Branch Manager at Nationwide Mortgage Bankers, Inc. from July 2023 to November 2025 and at American Financial Network from August 2022 to July 2023. Julio began the mortgage career as a Mortgage Loan Officer at Intercontinental Capital Group, where tenure spanned from November 2015 to August 2022. Julio A. Cruz holds an educational background from Nassau Community College, where studies were completed between 2005 and 2007.
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