---
canonical_url: https://lendb.ai/lo/tim-smith-104578
json_url: https://lendb.ai/lo/tim-smith-104578.json
nmls_id: 104578
last_verified: 2026-10-09
---

# Tim Smith

Regional Manager/Senior Loan Officer at CrossCountry Mortgage, Memphis, TN. NMLS ID 104578 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/104578)).

**Summary:** Tim Smith (NMLS 104578) is Regional Manager/Senior Loan Officer at CrossCountry Mortgage, based in Memphis, TN. Licensed in Florida, confirmed with the state regulator (license LO55117). Also lists Alabama, Arkansas, Kentucky, Michigan, Missouri, Mississippi and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, VA loan, FHA loan and First-time buyer. Licensed since 2018 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2018 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), Tennessee (TN, 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

- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/

## About

Regional manager and senior loan officer based in Memphis community. Serves the local market with expert advice and focus on smooth, stress-free mortgage experience.

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

## Facts from the lender page and intro

- service_area: Memphis, TN community and surrounding areas including Southaven MS, Olive Branch MS, Hernando MS, White TN, Arlington TN, Germantown TN, Collierville TN, Bartlett TN, Millington TN, Hacks Cross TN. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/, verified 2026-10-09.
- other: Team and office based in the local community. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO55117 | active | confirmed | 2018-07-25 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Memphis, TN. Source: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/, 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/104578

## Contact

- linkedin_url: https://www.linkedin.com/in/tim-smith-07680315/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/
- Office phone and Email on file: shown at https://lendb.ai/lo/tim-smith-104578#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/104578
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/memphis-tn-2810/timothy-smith/

Cite as: Tim Smith (NMLS 104578), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/tim-smith-104578, last verified 2026-10-09.

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