---
canonical_url: https://lendb.ai/lo/kristen-smith-1993938
json_url: https://lendb.ai/lo/kristen-smith-1993938.json
nmls_id: 1993938
last_verified: 2026-10-09
---

# Kristen Smith

Originating Branch Manager at CrossCountry Mortgage, Flagstaff, AZ. NMLS ID 1993938 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1993938)).

**Summary:** Kristen Smith (NMLS 1993938) is Originating Branch Manager at CrossCountry Mortgage, based in Flagstaff, AZ. Lists Arizona, Colorado and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA 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: Arizona (AZ, lender_reported), Colorado (CO, lender_reported), Texas (TX, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/

## About

Kristen is a Flagstaff native who transitioned from healthcare in 2020 to help individuals and families achieve homeownership, serving first-time buyers, second-home purchasers, and investors.

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

## Facts from the lender page and intro

- years_experience: since 2020. Source: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/, verified 2026-10-09.
- service_area: Flagstaff, Arizona. Source: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Flagstaff, AZ. Source: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/, 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/1993938

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristen-smith-1993938#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1993938
- lender_site: https://crosscountrymortgage.com/flagstaff-az-5276/kristen-smith/

Cite as: Kristen Smith (NMLS 1993938), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/kristen-smith-1993938, last verified 2026-10-09.

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