---
canonical_url: https://lendb.ai/lo/stephanie-carvalho-1501258
json_url: https://lendb.ai/lo/stephanie-carvalho-1501258.json
nmls_id: 1501258
last_verified: 2026-10-09
---

# Stephanie Carvalho

Processor / Loan Originator at CrossCountry Mortgage, Union, NJ. NMLS ID 1501258 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1501258)).

**Summary:** Stephanie Carvalho (NMLS 1501258) is Processor / Loan Originator at CrossCountry Mortgage, based in Union, NJ. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists California, Connecticut, Delaware, Georgia, New Jersey, New York and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC. Earliest state license record: May 15, 2018 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 15, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Connecticut (CT, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, confirmed), Virginia (VA, 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

- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/union-nj-3461/stephanie-carvalho/

## About

Loan originator with years of experience providing personalized guidance on home financing, from purchases to refinances and home equity access.

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

## Facts from the lender page and intro

- service_area: Springfield, Irvington, Kenilworth, Union, Cranford, Elizabeth, Hillside, Vauxhall, Maplewood, Roselle Park (all NJ). Source: https://crosscountrymortgage.com/union-nj-3461/stephanie-carvalho/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO53467 | active | confirmed | 2018-05-15 | 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 |
| DE | 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 |
| 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 | 66129 | active | confirmed |  | state_regulator | 2026-10-10 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Union, NJ. Source: https://crosscountrymortgage.com/union-nj-3461/stephanie-carvalho/, 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/1501258

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/union-nj-3461/stephanie-carvalho/
- Office phone and Email on file: shown at https://lendb.ai/lo/stephanie-carvalho-1501258#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1501258
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/union-nj-3461/stephanie-carvalho/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Stephanie Carvalho (NMLS 1501258), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/stephanie-carvalho-1501258, last verified 2026-10-09.

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