---
canonical_url: https://lendb.ai/lo/kristina-o-neill-187714
json_url: https://lendb.ai/lo/kristina-o-neill-187714.json
nmls_id: 187714
last_verified: 2026-10-15
---

# Kristina O'Neill

Branch Manager & Senior Loan Officer at Intercoastal Mortgage, LLC. NMLS ID 187714 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187714)).

**Summary:** Kristina O'Neill (NMLS 187714) is Branch Manager & Senior Loan Officer at Intercoastal Mortgage, LLC. Licensed in Florida, confirmed with the state regulator (license LO60911). Earliest state license record: April 29, 2019 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: April 29, 2019 (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): 25 (source: http://intercoastalmortgage.com/loan-officer/kristina-oneill/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 25. Source: http://intercoastalmortgage.com/loan-officer/kristina-oneill/, verified 2026-10-15.
- other: helped tens of 1000's of families. Source: http://intercoastalmortgage.com/loan-officer/kristina-oneill/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO60911 | active | confirmed | 2019-04-29 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Intercoastal Mortgage, LLC (NMLS 56323). Source: http://intercoastalmortgage.com/loan-officer/kristina-oneill/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187714

## Contact

- View profile at Intercoastal Mortgage, LLC: http://intercoastalmortgage.com/loan-officer/kristina-oneill/
- Office phone on file: shown at https://lendb.ai/lo/kristina-o-neill-187714#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187714
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: http://intercoastalmortgage.com/loan-officer/kristina-oneill/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Kristina O'Neill (NMLS 187714), Intercoastal Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/kristina-o-neill-187714, last verified 2026-10-15.

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