---
canonical_url: https://lendb.ai/lo/andy-key-195274
json_url: https://lendb.ai/lo/andy-key-195274.json
nmls_id: 195274
last_verified: 2026-10-09
---

# Andy Key

Loan Officer at CrossCountry Mortgage, Cottonwood Heights, UT. NMLS ID 195274 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/195274)).

**Summary:** Andy Key (NMLS 195274) is Loan Officer at CrossCountry Mortgage, based in Cottonwood Heights, UT. Lists Arizona, Hawaii and Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, First-time buyer and HELOC. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), Hawaii (HI, lender_reported), Utah (UT, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/

## About

Andy Key has offered clients extensive experience in purchase and refinance loans since 2008. They specialize in credit analysis and offer a variety of loan options including conventional, FHA, VA, USDA, and jumbo loans.

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

## Facts from the lender page and intro

- years_experience: since 2008. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/, verified 2026-10-09.
- service_area: Salt Lake Downtown, UT; Cottonwood Heights, UT. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| HI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Cottonwood Heights, UT. Source: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/, 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/195274

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/
- Email on file: shown at https://lendb.ai/lo/andy-key-195274#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/195274
- lender_site: https://crosscountrymortgage.com/cottonwood-heights-ut-4364/martin-key/

Cite as: Andy Key (NMLS 195274), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/andy-key-195274, last verified 2026-10-09.

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