---
canonical_url: https://lendb.ai/lo/nicole-mccarthy-63737
json_url: https://lendb.ai/lo/nicole-mccarthy-63737.json
nmls_id: 63737
last_verified: 2026-10-09
---

# Nicole McCarthy

Senior Mortgage Loan Originator at CrossCountry Mortgage, Union, NJ. NMLS ID 63737 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/63737)).

**Summary:** Nicole McCarthy (NMLS 63737) is Senior Mortgage Loan Originator at CrossCountry Mortgage, based in Union, NJ. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists California, Connecticut, Massachusetts, New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Co-op, Jumbo loan, Non-QM loan, Real estate investor and First-time buyer. Licensed since 2019 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Connecticut (CT, lender_reported), Massachusetts (MA, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, confirmed)
- 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

- **Co-op** (`co-op`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/

## About

Nicole specializes in handling complex mortgage situations with flexibility and expertise in co-op mortgages, investment properties, jumbo loans, and non-QM loans.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO60517 | active | confirmed | 2019-04-10 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | 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 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 82484 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Union, NJ. Source: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/, 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/63737

## Contact

- linkedin_url: https://www.linkedin.com/in/nicole-mccarthy-6a822720/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/
- Email on file: shown at https://lendb.ai/lo/nicole-mccarthy-63737#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/63737
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Nicole McCarthy (NMLS 63737), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/nicole-mccarthy-63737, last verified 2026-10-09.

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