---
canonical_url: https://lendb.ai/lo/david-simmons-546581
json_url: https://lendb.ai/lo/david-simmons-546581.json
nmls_id: 546581
last_verified: 2026-10-09
---

# David Simmons

Senior Loan Officer at CrossCountry Mortgage, Fort Walton Beach, FL. NMLS ID 546581 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/546581)).

**Summary:** David Simmons (NMLS 546581) is Senior Loan Officer at CrossCountry Mortgage, based in Fort Walton Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO147847). Also lists Alabama and Georgia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor, Self-employed, FHA loan and First-time buyer. Licensed since 2026 (per Florida records). States 27 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 27 (source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, 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

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/

## About

David has 27 years of experience helping self-employed borrowers, real estate investors, and Military Families across the Gulf Coast with DSCR, bank statement, VA, conventional, FHA, USDA, jumbo and condo loans.

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

## Facts from the lender page and intro

- years_experience: 27. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/, verified 2026-10-09.
- service_area: Northwest Florida Panhandle, Gulf Coast region; serves clients throughout Florida, Georgia and Alabama. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147847 | active | confirmed | 2026-05-18 | state_regulator | 2026-10-09 |
| AL | 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 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Fort Walton Beach, FL. Source: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/, 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/546581

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/
- Office phone and Email on file: shown at https://lendb.ai/lo/david-simmons-546581#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/546581
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/

Cite as: David Simmons (NMLS 546581), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/david-simmons-546581, last verified 2026-10-09.

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