--- canonical_url: https://lendb.ai/lo/andrew-dicarlo-2488670 json_url: https://lendb.ai/lo/andrew-dicarlo-2488670.json nmls_id: 2488670 last_verified: 2026-10-09 --- # AJ DiCarlo Branch Manager at CrossCountry Mortgage, Fort Walton Beach, FL. NMLS ID 2488670 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2488670)). **Summary:** AJ DiCarlo (NMLS 2488670) is Branch Manager at CrossCountry Mortgage, based in Fort Walton Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO120379). Also lists Alabama, Arkansas, Georgia, Louisiana, Maryland, Mississippi, Ohio, Tennessee and 2 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Construction loan, Real estate investor and VA loan. Licensed since 2023 (per Florida records). States 21 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2023 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 21 (source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Georgia (GA, lender_reported), Louisiana (LA, lender_reported), Maryland (MD, lender_reported), Mississippi (MS, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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 - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/ - **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/ - **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/ - **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/ ## About AJ is a 21-year U.S. Air Force Veteran with background in Air Traffic Control and Special Operations. Dedicated to serving first-time homebuyers, real estate investors, and homeowners refinancing. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 21. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/, verified 2026-10-09. - role: U.S. Air Force Veteran with background in Air Traffic Control and Special Operations. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO120379 | active | confirmed | 2023-05-31 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Fort Walton Beach, FL. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/, 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/2488670 ## Contact - linkedin_url: https://www.linkedin.com/in/a-j-dicarlo-78590327/ (source: lender_site, verified 2026-10-09) - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/ - Office phone and Email on file: shown at https://lendb.ai/lo/andrew-dicarlo-2488670#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2488670 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/ Cite as: AJ DiCarlo (NMLS 2488670), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/andrew-dicarlo-2488670, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._