---
canonical_url: https://lendb.ai/lo/heather-todd-119913
json_url: https://lendb.ai/lo/heather-todd-119913.json
nmls_id: 119913
last_verified: 2026-10-09
---

# Heather Todd

Originating Branch Manager at CrossCountry Mortgage, Virginia Beach, VA. NMLS ID 119913 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/119913)).

**Summary:** Heather Todd (NMLS 119913) is Originating Branch Manager at CrossCountry Mortgage, based in Virginia Beach, VA. Lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and First-time buyer. 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: North Carolina (NC, lender_reported), Virginia (VA, 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 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/virginia-beach-va-2631/heather-todd/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/virginia-beach-va-2631/heather-todd/

## About

Since 1998, Heather has been helping homebuyers achieve homeownership. Based in Virginia Beach, she brings extensive experience in home financing and serves communities in NC and VA.

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

## Facts from the lender page and intro

- years_experience: since 1998. Source: https://crosscountrymortgage.com/virginia-beach-va-2631/heather-todd/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Virginia Beach, VA. Source: https://crosscountrymortgage.com/virginia-beach-va-2631/heather-todd/, 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/119913

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/virginia-beach-va-2631/heather-todd/
- Email on file: shown at https://lendb.ai/lo/heather-todd-119913#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/119913
- lender_site: https://crosscountrymortgage.com/virginia-beach-va-2631/heather-todd/

Cite as: Heather Todd (NMLS 119913), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/heather-todd-119913, last verified 2026-10-09.

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