---
canonical_url: https://lendb.ai/lo/shelly-nickles-430123
json_url: https://lendb.ai/lo/shelly-nickles-430123.json
nmls_id: 430123
last_verified: 2026-10-09
---

# Shelly Nickles

Originating Branch Manager at CrossCountry Mortgage, Montgomery, AL. NMLS ID 430123 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/430123)).

**Summary:** Shelly Nickles (NMLS 430123) is Originating Branch Manager at CrossCountry Mortgage, based in Montgomery, AL. Licensed in Florida, confirmed with the state regulator (license LO59266). Also lists Alabama, Georgia, Louisiana and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, Down payment assistance and Renovation loan (203k / HomeStyle). 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), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Louisiana (LA, lender_reported), Tennessee (TN, 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

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/

## Facts from the lender page and intro

- service_area: Downtown Montgomery, AL; Lowndesboro, AL; Pike Road, AL; Prattville, AL. Source: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO59266 | active | confirmed | 2019-02-14 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Montgomery, AL. Source: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/, 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/430123

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/
- Office phone and Email on file: shown at https://lendb.ai/lo/shelly-nickles-430123#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/430123
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/montgomery-al-4309/shelly-nickles/

Cite as: Shelly Nickles (NMLS 430123), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/shelly-nickles-430123, last verified 2026-10-09.

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