---
canonical_url: https://lendb.ai/lo/mike-gallagher-120703
json_url: https://lendb.ai/lo/mike-gallagher-120703.json
nmls_id: 120703
last_verified: 2026-10-09
---

# Mike Gallagher

Senior Loan Officer at CrossCountry Mortgage, Monterey, CA. NMLS ID 120703 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/120703)).

**Summary:** Mike Gallagher (NMLS 120703) is Senior Loan Officer at CrossCountry Mortgage, based in Monterey, CA. Lists California and Colorado on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/, verified 2026-10-09)
- Licensed in: California (CA, lender_reported), Colorado (CO, 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

- **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/

## About

Mike has over 20 years of mortgage origination experience and was ranked in Mortgage Executive Magazine's Top 1% of Originators in 2016, 2017, 2020, and 2021. He holds a Series 65 license and focuses on integrating long-term wealth creation into home financing decisions.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/, verified 2026-10-09.
- credential: Top 1% of Mortgage Originators in America. Source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/, verified 2026-10-09.
- credential: Series 65 license. Source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/, verified 2026-10-09.
- service_area: Morgan Hill, Carmel By The Sea, Saratoga (CA) and Denver (CO). Source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Monterey, CA. Source: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/, 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/120703

## Contact

- linkedin_url: https://www.linkedin.com/in/mike-gallagher-b90b254/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/
- Office phone and Email on file: shown at https://lendb.ai/lo/mike-gallagher-120703#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/120703
- lender_site: https://crosscountrymortgage.com/monterey-ca-8052/michael-gallagher/

Cite as: Mike Gallagher (NMLS 120703), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/mike-gallagher-120703, last verified 2026-10-09.

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