---
canonical_url: https://lendb.ai/lo/amber-garofalo-518359
json_url: https://lendb.ai/lo/amber-garofalo-518359.json
nmls_id: 518359
last_verified: 2026-10-09
---

# Amber Garofalo

Originating Branch Manager at CrossCountry Mortgage, White Bear Lake, MN. NMLS ID 518359 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518359)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, lender_reported), Minnesota (MN, lender_reported), Wisconsin (WI, 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

- **Vacation home** (`vacation-home`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/

## 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.

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

## Facts from the lender page and intro

- years_experience: over 20. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/, verified 2026-10-09.
- credential: Certified Mortgage Planning Specialist. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/, verified 2026-10-09.
- community: Member of CCM NOW (Network of Women); host monthly segments on Emmy-nominated American Dream TV series. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/, verified 2026-10-09.
- credential: Scotsman Guide Top Producers; MN Monthly's Best Mortgage Professionals. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO94102 | active | confirmed | 2021-09-03 | state_regulator | 2026-10-09 |
| CO | 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 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), White Bear Lake, MN. Source: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/, 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/518359

## Contact

- linkedin_url: https://www.linkedin.com/in/amber-garofalo-b041b19/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/
- Office phone and Email on file: shown at https://lendb.ai/lo/amber-garofalo-518359#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518359
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/

Cite as: Amber Garofalo (NMLS 518359), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/amber-garofalo-518359, last verified 2026-10-09.

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