---
canonical_url: https://lendb.ai/lo/christopher-downing-2281948
json_url: https://lendb.ai/lo/christopher-downing-2281948.json
nmls_id: 2281948
last_verified: 2026-10-09
---

# Ty Downing

Loan Officer at CrossCountry Mortgage, Tampa, FL. NMLS ID 2281948 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2281948)).

**Summary:** Ty Downing (NMLS 2281948) is Loan Officer at CrossCountry Mortgage, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO102302). Also lists Georgia, Minnesota, Missouri, North Carolina, Texas and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan, FHA loan and First-time buyer. Licensed since 2022 (per Florida records). States 11 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 11 (source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), Texas (TX, lender_reported), Washington (WA, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/

## About

Ty is a Florida native and U.S. Navy Veteran with 11 years of military service as a Naval Aircrewman. He holds a bachelor's degree in business with a finance minor and is committed to helping veterans and active-duty service members with their mortgage needs.

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

## Facts from the lender page and intro

- years_experience: 11. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/, verified 2026-10-09.
- education: Bachelor's degree in business with a minor in Finance from Columbia College of Missouri; accepted to University of Florida's Professional MBA program. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/, verified 2026-10-09.
- other: Completed four deployments as Naval Aircrewman stationed at NAS Jacksonville; transitioned to Navy training consultant role. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO102302 | active | confirmed | 2022-02-14 | state_regulator | 2026-10-09 |
| GA | 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 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | 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 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Tampa, FL. Source: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/, 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/2281948

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/
- Email on file: shown at https://lendb.ai/lo/christopher-downing-2281948#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2281948
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/tampa-fl-4790/christopher-downing/

Cite as: Ty Downing (NMLS 2281948), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/christopher-downing-2281948, last verified 2026-10-09.

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