---
canonical_url: https://lendb.ai/lo/michelle-napier-995143
json_url: https://lendb.ai/lo/michelle-napier-995143.json
nmls_id: 995143
last_verified: 2026-10-09
---

# Michelle Napier

Loan Officer at CrossCountry Mortgage, Martinsburg, WV. NMLS ID 995143 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/995143)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 14 (source: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/, verified 2026-10-09)
- Licensed in: Maryland (MD, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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

- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/

## 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.

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

## Facts from the lender page and intro

- years_experience: 14. Source: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/, verified 2026-10-09.
- service_area: Strasburg, VA; Linden, VA. Source: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO109788 | expired | confirmed | 2022-06-22 | state_regulator | 2026-10-09 |
| MD | 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 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Martinsburg, WV. Source: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/, 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/995143

## Contact

- linkedin_url: https://www.linkedin.com/in/michelle-napier-2251217a/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/
- Email on file: shown at https://lendb.ai/lo/michelle-napier-995143#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/995143
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/

Cite as: Michelle Napier (NMLS 995143), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michelle-napier-995143, last verified 2026-10-09.

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