---
canonical_url: https://lendb.ai/lo/javier-handal-368541
json_url: https://lendb.ai/lo/javier-handal-368541.json
nmls_id: 368541
last_verified: 2026-10-09
---

# Javier Handal

Outside Loan Originator at CrossCountry Mortgage, Miami, FL. NMLS ID 368541 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/368541)).

**Summary:** Javier Handal (NMLS 368541) is Outside Loan Originator at CrossCountry Mortgage, based in Miami, FL. Licensed in Florida, confirmed with the state regulator (license LO26455). Licensed since 2014 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2014 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- 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

Javier brings over two decades of loan origination and leadership experience, including expertise in negotiating tactics, management, and banking. He is a former U.S. Air Force veteran who served in Operation Southern Watch, Desert Thunder, and Desert Fox.

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

## Facts from the lender page and intro

- years_experience: over two decades. Source: https://crosscountrymortgage.com/miami-fl-3720/javier-handal/, verified 2026-10-09.
- credential: Air Force Expeditionary Medal and Air Force Achievement Medal. Source: https://crosscountrymortgage.com/miami-fl-3720/javier-handal/, verified 2026-10-09.
- community: Actively involved in charity work and helping families in need. Source: https://crosscountrymortgage.com/miami-fl-3720/javier-handal/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO26455 | active | confirmed | 2014-08-28 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Miami, FL. Source: https://crosscountrymortgage.com/miami-fl-3720/javier-handal/, 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/368541

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/miami-fl-3720/javier-handal/
- Email on file: shown at https://lendb.ai/lo/javier-handal-368541#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/368541
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/miami-fl-3720/javier-handal/

Cite as: Javier Handal (NMLS 368541), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/javier-handal-368541, last verified 2026-10-09.

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