---
canonical_url: https://lendb.ai/lo/billy-watkins-2012196
json_url: https://lendb.ai/lo/billy-watkins-2012196.json
nmls_id: 2012196
last_verified: 2026-10-09
---

# Billy Watkins

Loan Originator at CrossCountry Mortgage, Rockwall, TX. NMLS ID 2012196 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2012196)).

**Summary:** Billy Watkins (NMLS 2012196) is Loan Originator at CrossCountry Mortgage, based in Rockwall, TX. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Renovation loan (203k / HomeStyle), First-time buyer and HELOC. States 4 years of experience. 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.
- Years experience (stated by the LO): 4 (source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/, verified 2026-10-09)
- Licensed in: Texas (TX, 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

- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/

## About

Based in Heath, TX, Billy brings 28 years in education and 4 years in mortgage experience. He teaches government and coaches golf at Melissa High School while helping clients navigate homeownership.

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

## Facts from the lender page and intro

- years_experience: 4. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/, verified 2026-10-09.
- role: Teacher and coach. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/, verified 2026-10-09.
- years_experience: 28. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/, verified 2026-10-09.
- service_area: Heath, TX. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Rockwall, TX. Source: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/, 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/2012196

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/
- Email on file: shown at https://lendb.ai/lo/billy-watkins-2012196#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2012196
- lender_site: https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/

Cite as: Billy Watkins (NMLS 2012196), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/billy-watkins-2012196, last verified 2026-10-09.

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