---
canonical_url: https://lendb.ai/lo/bill-smith-2368894
json_url: https://lendb.ai/lo/bill-smith-2368894.json
nmls_id: 2368894
last_verified: 2026-10-09
---

# Bill Smith

Loan Officer at CrossCountry Mortgage, Toms River, NJ. NMLS ID 2368894 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2368894)).

**Summary:** Bill Smith (NMLS 2368894) is Loan Officer at CrossCountry Mortgage, based in Toms River, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: New Jersey (NJ, 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


## About

Bill Smith is a Toms River, NJ-based loan officer with over 20 years as a solo practitioner attorney specializing in real estate closings. His legal background in financial intricacies and lender interactions brings expertise to mortgage lending.

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

## Facts from the lender page and intro

- years_experience: 20+. Source: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/, verified 2026-10-09.
- education: Juris Doctorate from Seton Hall University School of Law, Business Administration degree from University of South Florida. Source: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/, verified 2026-10-09.
- service_area: Ocean County, New Jersey / Toms River, NJ. Source: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/, verified 2026-10-09.
- role: Solo practitioner attorney specializing in real estate closings. Source: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Toms River, NJ. Source: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/, 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/2368894

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/
- Email on file: shown at https://lendb.ai/lo/bill-smith-2368894#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2368894
- lender_site: https://crosscountrymortgage.com/toms-river-nj-3276/william-smith/

Cite as: Bill Smith (NMLS 2368894), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/bill-smith-2368894, last verified 2026-10-09.

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