---
canonical_url: https://lendb.ai/lo/terilyn-nicely-973893
json_url: https://lendb.ai/lo/terilyn-nicely-973893.json
nmls_id: 973893
last_verified: 2026-10-09
---

# Terilyn Nicely

Originating Branch Manager at CrossCountry Mortgage, Kathleen, GA. NMLS ID 973893 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/973893)).

**Summary:** Terilyn Nicely (NMLS 973893) is Originating Branch Manager at CrossCountry Mortgage, based in Kathleen, GA. Licensed in Florida, confirmed with the state regulator (license LO118729). Also lists Georgia and Louisiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, VA loan and Non-QM loan. Licensed since 2023 (per Florida records). States 22 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 22 (source: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Louisiana (LA, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/

## About

Terilyn has 22 years in the mortgage industry and is a military spouse proficient in VA loans. She assists clients with various loan types including down payment assistance programs.

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

## Facts from the lender page and intro

- years_experience: 22. Source: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO118729 | active | confirmed | 2023-04-04 | state_regulator | 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 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Kathleen, GA. Source: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/, 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/973893

## Contact

- linkedin_url: https://www.linkedin.com/in/terilyn-nicely-86ba5462/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/
- Office phone and Email on file: shown at https://lendb.ai/lo/terilyn-nicely-973893#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/973893
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/

Cite as: Terilyn Nicely (NMLS 973893), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/terilyn-nicely-973893, last verified 2026-10-09.

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