---
canonical_url: https://lendb.ai/lo/michael-raines-184816
json_url: https://lendb.ai/lo/michael-raines-184816.json
nmls_id: 184816
last_verified: 2026-10-09
---

# Michael Raines

Originating Branch Manager at CrossCountry Mortgage, Knoxville, TN. NMLS ID 184816 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184816)).

**Summary:** Michael Raines (NMLS 184816) is Originating Branch Manager at CrossCountry Mortgage, based in Knoxville, TN. Licensed in Florida, confirmed with the state regulator (license LO40249). Also lists Alabama, Georgia, Kentucky, North Carolina, Ohio, Oklahoma, Tennessee, Texas and 2 more on the lender page (not yet checked with the state regulator). Earliest state license record: February 23, 2017 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 23, 2017 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Wisconsin (WI, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO40249 | active | confirmed | 2017-02-23 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OK | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Knoxville, TN. Source: https://crosscountrymortgage.com/knoxville-tn-2826/michael-raines/, 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/184816

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/knoxville-tn-2826/michael-raines/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-raines-184816#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184816
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/knoxville-tn-2826/michael-raines/

Cite as: Michael Raines (NMLS 184816), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-raines-184816, last verified 2026-10-09.

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