---
canonical_url: https://lendb.ai/lo/stephen-karl-406265
json_url: https://lendb.ai/lo/stephen-karl-406265.json
nmls_id: 406265
last_verified: 2026-10-09
---

# Stephen Karl

Originating Branch Manager at CrossCountry Mortgage, Bensalem, PA. NMLS ID 406265 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/406265)).

**Summary:** Stephen Karl (NMLS 406265) is Originating Branch Manager at CrossCountry Mortgage, based in Bensalem, PA. Licensed in 4 states: Florida, Delaware, New Jersey and Pennsylvania. Focus areas shown on the lender page: First-time buyer. 0 years licensed. Last verified 2026-10-09.

## At a glance

- Years licensed: 0
- Years experience (stated by the LO): 30 (source: https://crosscountrymortgage.com/bensalem-pa-2597/stephen-karl/, verified 2026-10-09)
- Licensed in: Florida (FL), Delaware (DE), New Jersey (NJ), Pennsylvania (PA)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bensalem-pa-2597/stephen-karl/

## About

Stephen has over 30 years of experience in the mortgage industry helping homebuyers achieve their homeownership dreams.

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/bensalem-pa-2597/stephen-karl/, verified 2026-10-09.
- service_area: Torresdale, Levittown, Croydon, Langhorne, Bensalem, Southampton, Newtown, PA. Source: https://crosscountrymortgage.com/bensalem-pa-2597/stephen-karl/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| FL | state_license | LO143789 | active | 2025-12-30 | state_regulator | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| PA | state_license | 103867 | active |  | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Bensalem, PA. Source: https://crosscountrymortgage.com/bensalem-pa-2597/stephen-karl/, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/bensalem-pa-2597/stephen-karl/
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-karl-406265#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/406265
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/bensalem-pa-2597/stephen-karl/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Stephen Karl (NMLS 406265), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/stephen-karl-406265, last verified 2026-10-09.

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