--- canonical_url: https://lendb.ai/lo/kristina-young-901137 json_url: https://lendb.ai/lo/kristina-young-901137.json nmls_id: 901137 last_verified: 2026-10-26 --- # Kristina Young Loan Officer at Blue Water Mortgage, LLC. NMLS ID 901137 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/901137)). Kristina Young (NMLS 901137) is a Loan Officer at Blue Water Mortgage, LLC, licensed in Florida since 2018 and in Massachusetts. **Summary:** Kristina Young (NMLS 901137) is Loan Officer at Blue Water Mortgage, LLC. Licensed in 2 states confirmed with state regulators: Florida and Massachusetts. Also lists Georgia, Maine, New Hampshire and Vermont on the lender page (not yet checked with the state regulator). Earliest state license record: December 11, 2018 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Kristina licensed in Florida? Yes. Florida regulator records list license LO58103 as active, first effective December 11, 2018 (verified 2026-10-15). LenDb has 5 other states on file for Kristina. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Kristina work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-26). Source: https://bluewatermtg.com/our-team/kristina-young/. ### How long has Kristina been licensed? The earliest state license record LenDb holds for Kristina is from December 11, 2018 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: December 11, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Kristina M. Young (FL, MA, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Massachusetts (MA, confirmed), Maine (ME, lender_reported), New Hampshire (NH, lender_reported), Vermont (VT, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## About Kristina Young is a Loan Officer licensed in FL, GA, MA, ME, NH and VT. They state 26 years in service and sales work and 12 years as a small business owner. They earned a Bachelor's degree in Education from the University of New Hampshire. Source: LenDb summary of the lender page, verified 2026-10-26. ## Facts from the lender page and intro - years_experience: 26 (service and sales industry). Source: https://bluewatermtg.com/our-team/kristina-young/, verified 2026-10-26. - education: Bachelor's degree in Education, University of New Hampshire. Source: https://bluewatermtg.com/our-team/kristina-young/, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO58103 | active | confirmed | 2018-12-11 | state_regulator | 2026-10-15 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-26 | | MA | Massachusetts regulator | state_license | MLO901137 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-26 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-26 | | VT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-26 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/kristina-young/, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/901137 ## Contact - linkedin_url: https://www.linkedin.com/in/kristina-young-a3806911/ (source: lender_site, verified 2026-10-26) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/kristina-young/ - Office phone and Email on file: shown at https://lendb.ai/lo/kristina-young-901137#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/901137 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://bluewatermtg.com/our-team/kristina-young/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees Cite as: Kristina Young (NMLS 901137), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/kristina-young-901137, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._