---
canonical_url: https://lendb.ai/lo/scott-carter-208414
json_url: https://lendb.ai/lo/scott-carter-208414.json
nmls_id: 208414
last_verified: 2026-10-09
---

# Scott Carter

Originating Branch Manager at CrossCountry Mortgage, Tampa, FL. NMLS ID 208414 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208414)).

**Summary:** Scott Carter (NMLS 208414) is Originating Branch Manager at CrossCountry Mortgage, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO23484). Also lists North Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Real estate investor, VA loan and First-time buyer. Licensed since 2014 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2014 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), North Carolina (NC, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/

## About

Scott has 30+ years of mortgage experience and is recognized as a Top 1% mortgage originator by Mortgage Executive Magazine. He serves the Tampa, Florida area with a focus on personalized financing solutions.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/, verified 2026-10-09.
- credential: Top 1% of Mortgage Originators in America (Mortgage Executive Magazine). Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/, verified 2026-10-09.
- service_area: Parrish, Brandon, Lithia, Sun City Center, Florida. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO23484 | active | confirmed | 2014-02-14 | state_regulator | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Tampa, FL. Source: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/, 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/208414

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/
- Email on file: shown at https://lendb.ai/lo/scott-carter-208414#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208414
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/tampa-fl-8313/scott-carter/

Cite as: Scott Carter (NMLS 208414), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/scott-carter-208414, last verified 2026-10-09.

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