--- canonical_url: https://lendb.ai/lo/michael-smalley-289846 json_url: https://lendb.ai/lo/michael-smalley-289846.json nmls_id: 289846 last_verified: 2026-10-09 --- # Michael Smalley Regional Vice President at CrossCountry Mortgage, Winter Park, FL. NMLS ID 289846 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/289846)). **Summary:** Michael Smalley (NMLS 289846) is Regional Vice President at CrossCountry Mortgage, based in Winter Park, FL. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Alabama, Arkansas, Georgia, Idaho, Missouri, North Carolina, New Jersey, Ohio and 5 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, Down payment assistance and Real estate investor. Earliest state license record: August 15, 2024 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: August 15, 2024 (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), Arkansas (AR, lender_reported), Colorado (CO, confirmed), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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 - **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/ - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/ - **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/ ## About Michael is a Regional Vice President with over 20 years of mortgage experience across the country. He has closed over $1 billion in loan volume for more than 3,000 families and holds both Certified Mortgage Planning Specialist® and Certified Mortgage Advisor™ designations, the first loan originator in Florida to earn both. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: over 20. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, verified 2026-10-09. - credential: Certified Mortgage Planning Specialist®. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, verified 2026-10-09. - credential: Certified Mortgage Advisor™. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, verified 2026-10-09. - credential: first loan originator in Florida to earn both designations. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, verified 2026-10-09. - other: closed over $1 billion in loan volume for more than 3,000 families. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, verified 2026-10-09. - service_area: Longwood, Tavares, Winter Park, College Park, Maitland, Casselberry, New Smyrna Beach, FL. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO131070 | active | confirmed | 2024-08-15 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | 100544805 | active | confirmed | 2026-03-17 | state_regulator | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | 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 | | NJ | 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 | | SC | 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 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Winter Park, FL. Source: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/, 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/289846 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/ - Office phone and Email on file: shown at https://lendb.ai/lo/michael-smalley-289846#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/289846 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=352202&contact=586287 Cite as: Michael Smalley (NMLS 289846), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-smalley-289846, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._