Amber Garofalo
Originating Branch Manager at CrossCountry Mortgage · White Bear Lake, MN
NMLS ID 518359 (opens in a new tab) · verify at NMLS Consumer Access
Amber Garofalo (NMLS 518359) is Originating Branch Manager at CrossCountry Mortgage, based in White Bear Lake, MN. Licensed in Florida, confirmed with the state regulator (license LO94102). Also lists Colorado, Minnesota and Wisconsin on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Vacation home, Construction loan and Real estate investor. Licensed since 2021 (per Florida records).
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2021 (per Florida records)
- 4 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
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, Colorado, Minnesota, Wisconsin
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO94102, since 2021), verified 2026-10-09.
Lender-reported: CO, MN, WI 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 · White Bear Lake, MN · 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
Over 20 years in mortgage industry with background in originating, processing, underwriting, closing and servicing. Assists clients at all stages from first-time buyers to new construction, with expertise in vacation homes and multi-state lending.
Our summary of the lender page. Verified 2026-10-09.
- Community
- Member of CCM NOW (Network of Women); host monthly segments on Emmy-nominated American Dream TV series
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Scotsman Guide Top Producers; MN Monthly's Best Mortgage Professionals
- 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 · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| 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: Amber Garofalo (NMLS 518359), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/amber-garofalo-518359, last verified 2026-10-09.
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