---
canonical_url: https://lendb.ai/lo/stephen-flounlacker-460093
json_url: https://lendb.ai/lo/stephen-flounlacker-460093.json
nmls_id: 460093
last_verified: 2026-10-09
---

# Stephen Flounlacker

Originating Branch Manager at CrossCountry Mortgage, Bowie, MD. NMLS ID 460093 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/460093)).

**Summary:** Stephen Flounlacker (NMLS 460093) is Originating Branch Manager at CrossCountry Mortgage, based in Bowie, MD. Licensed in Florida, confirmed with the state regulator (license LO86876). Also lists District of Columbia, Delaware, Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. Earliest state license record: April 30, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 30, 2021 (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), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bowie-md-2712/stephen-flounlacker/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bowie-md-2712/stephen-flounlacker/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO86876 | active | confirmed | 2021-04-30 | state_regulator | 2026-10-09 |
| DC | 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 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Bowie, MD. Source: https://crosscountrymortgage.com/bowie-md-2712/stephen-flounlacker/, 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/460093

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/bowie-md-2712/stephen-flounlacker/
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-flounlacker-460093#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/460093
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/bowie-md-2712/stephen-flounlacker/

Cite as: Stephen Flounlacker (NMLS 460093), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/stephen-flounlacker-460093, last verified 2026-10-09.

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