---
canonical_url: https://lendb.ai/lo/james-clay-47632
json_url: https://lendb.ai/lo/james-clay-47632.json
nmls_id: 47632
last_verified: 2026-10-09
---

# James Clay III

Originating Branch Manager at CrossCountry Mortgage, Louisville, KY. NMLS ID 47632 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/47632)).

**Summary:** James Clay III (NMLS 47632) is Originating Branch Manager at CrossCountry Mortgage, based in Louisville, KY. Licensed in Florida, confirmed with the state regulator (license LO145046). Also lists Illinois, Indiana, Kentucky, Missouri, North Carolina, South Carolina and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: February 13, 2026 (Florida), per state regulator. States 24 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 13, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 24 (source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, 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

With 24 years of experience in commercial and residential lending and hundreds of millions in loan volume closed, Jim Clay brings expertise and a large base of satisfied clients to Louisville, KY.

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

## Facts from the lender page and intro

- years_experience: 24. Source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, verified 2026-10-09.
- credential: State wrestling title in 1987. Source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, verified 2026-10-09.
- credential: Danville High School Athletic Hall of Fame 2018. Source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, verified 2026-10-09.
- education: University of Kentucky. Source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, verified 2026-10-09.
- role: Joined CrossCountry Mortgage 5 years ago as part of Jeremy Forcier's team. Source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145046 | active | confirmed | 2026-02-13 | state_regulator | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | 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 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Louisville, KY. Source: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/, 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/47632

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/
- Office phone and Email on file: shown at https://lendb.ai/lo/james-clay-47632#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/47632
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/louisville-ky-2906/james-clay-iii/

Cite as: James Clay III (NMLS 47632), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/james-clay-47632, last verified 2026-10-09.

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