---
canonical_url: https://lendb.ai/lo/michael-mccarthy-996365
json_url: https://lendb.ai/lo/michael-mccarthy-996365.json
nmls_id: 996365
last_verified: 2026-10-13
---

# Adam McCarthy

Sr. Loan Officer at CrossCountry Mortgage, Flower Mound, TX. NMLS ID 996365 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/996365)).

**Summary:** Adam McCarthy (NMLS 996365) is Sr. Loan Officer at CrossCountry Mortgage, based in Flower Mound, TX. Licensed in Texas, confirmed with the state regulator. Focus areas shown on the lender page: First-time buyer and HELOC. Earliest state license record: April 12, 2013 (Florida), per state regulator. Last verified 2026-10-13.

## At a glance

- Earliest state license record: April 12, 2013 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/

## About

Adam is a local loan officer serving the Flower Mound, TX community with knowledge of the regional market. He guides borrowers through purchase and refinancing with expert advice and personal service.

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

## Facts from the lender page and intro

- service_area: Flower Mound, TX community. Source: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/, verified 2026-10-09.
- other: Based in community and understands local market. Source: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO19299 | expired | confirmed | 2013-04-12 | state_regulator | 2026-10-09 |
| TX | state_license | n/a | active | confirmed | 2020-03-09 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Flower Mound, TX. Source: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/, 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/996365

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-mccarthy-996365#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/996365
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://crosscountrymortgage.com/flower-mound-tx-3345/michael-mccarthy/

Cite as: Adam McCarthy (NMLS 996365), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-mccarthy-996365, last verified 2026-10-13.

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