---
canonical_url: https://lendb.ai/lo/steven-mcintosh-648887
json_url: https://lendb.ai/lo/steven-mcintosh-648887.json
nmls_id: 648887
last_verified: 2026-10-09
---

# Steve McIntosh

Loan Officer at CrossCountry Mortgage, Ponte Vedra Beach, FL. NMLS ID 648887 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/648887)).

**Summary:** Steve McIntosh (NMLS 648887) is Loan Officer at CrossCountry Mortgage, based in Ponte Vedra Beach, FL. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Georgia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, VA loan, Non-QM loan and HELOC. Earliest state license record: March 26, 2026 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 26, 2026 (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), Colorado (CO, confirmed), Georgia (GA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/

## About

Steve offers nearly 20 years of home financing experience and specializes in helping first-time homebuyers, Veterans and Service Members. He has lived in Northeast Florida since 1995.

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

## Facts from the lender page and intro

- years_experience: nearly 20 years. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/, verified 2026-10-09.
- community: Active in church, youth sports, and local organizations; lived in Northeast Florida since 1995. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO146240 | active | confirmed | 2026-03-26 | state_regulator | 2026-10-09 |
| CO | state_license | 100545496 | active | confirmed | 2026-05-15 | state_regulator | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Ponte Vedra Beach, FL. Source: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/, 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/648887

## Contact

- linkedin_url: https://www.linkedin.com/in/steven-mcintosh-3a093450/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/
- Office phone and Email on file: shown at https://lendb.ai/lo/steven-mcintosh-648887#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/648887
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=355632&contact=590751
- lender_site: https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/

Cite as: Steve McIntosh (NMLS 648887), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/steven-mcintosh-648887, last verified 2026-10-09.

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