---
canonical_url: https://lendb.ai/lo/michael-gaggi-63106
json_url: https://lendb.ai/lo/michael-gaggi-63106.json
nmls_id: 63106
last_verified: 2026-10-09
---

# Michael Gaggi

Sr Loan Originator at CrossCountry Mortgage, Morganville, NJ. NMLS ID 63106 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/63106)).

**Summary:** Michael Gaggi (NMLS 63106) is Sr Loan Originator at CrossCountry Mortgage, based in Morganville, NJ. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Iowa, New Jersey and New York on the lender page (not yet checked with the state regulator). Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Iowa (IA, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, 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

Michael Gaggi has worked in customer service-driven industries since 2002 and has been named a Top Producer and President's Club member at multiple mortgage institutions, specializing in FHA, USDA, VA, construction financing, and reverse mortgages.

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

## Facts from the lender page and intro

- years_experience: since 2002. Source: https://crosscountrymortgage.com/morganville-nj-3476/michael-gaggi/, verified 2026-10-09.
- credential: Named Top Producer and President's Club member at several mortgage institutions. Source: https://crosscountrymortgage.com/morganville-nj-3476/michael-gaggi/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO116349 | active | confirmed | 2023-01-05 | state_regulator | 2026-10-09 |
| IA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 119656 | active | confirmed |  | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Morganville, NJ. Source: https://crosscountrymortgage.com/morganville-nj-3476/michael-gaggi/, 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/63106

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/morganville-nj-3476/michael-gaggi/
- Email on file: shown at https://lendb.ai/lo/michael-gaggi-63106#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/63106
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/morganville-nj-3476/michael-gaggi/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Michael Gaggi (NMLS 63106), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-gaggi-63106, last verified 2026-10-09.

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