Michelle Napier
Loan Officer at CrossCountry Mortgage · Martinsburg, WV
NMLS ID 995143 (opens in a new tab) · verify at NMLS Consumer Access
Michelle Napier (NMLS 995143) is Loan Officer at CrossCountry Mortgage, based in Martinsburg, WV. Lists Maryland, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: USDA loan and First-time buyer. Licensed since 2022 (per Florida records). States 14 years of experience.
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 14 years experience (stated)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: crosscountrymortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Maryland, Virginia, West Virginia
Lender-reported: MD, VA, WV are listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): FL (expired).
Contact
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Employment history
CrossCountry Mortgage NMLS 3029
Current · Martinsburg, WV · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Michelle has been in home financing since 2012 after purchasing her first home. She serves the Strasburg and Linden, VA areas and specializes in USDA loans and divorce situations.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Michelle Napier (NMLS 995143), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michelle-napier-995143, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.