---
canonical_url: https://lendb.ai/lo/toni-mcgraw-1401486
json_url: https://lendb.ai/lo/toni-mcgraw-1401486.json
nmls_id: 1401486
last_verified: 2026-10-09
---

# Toni McGraw

Branch Operations Manager / Loan Officer at CrossCountry Mortgage, Newport Beach, CA. NMLS ID 1401486 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1401486)).

**Summary:** Toni McGraw (NMLS 1401486) is Branch Operations Manager / Loan Officer at CrossCountry Mortgage, based in Newport Beach, CA. Licensed in Colorado, confirmed with the state regulator (license 100539235). Also lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2024 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Colorado records). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), Colorado (CO, confirmed)
- 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 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/newport-beach-ca-8066/toni-mcgraw/

## About

Toni serves the Newport Beach community as a loan officer with years of experience helping clients close with confidence through every step of the mortgage process.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | 100539235 | active | confirmed | 2024-06-12 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Newport Beach, CA. Source: https://crosscountrymortgage.com/newport-beach-ca-8066/toni-mcgraw/, 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/1401486

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/newport-beach-ca-8066/toni-mcgraw/
- Email on file: shown at https://lendb.ai/lo/toni-mcgraw-1401486#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1401486
- lender_site: https://crosscountrymortgage.com/newport-beach-ca-8066/toni-mcgraw/
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=329511&contact=561268

Cite as: Toni McGraw (NMLS 1401486), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/toni-mcgraw-1401486, last verified 2026-10-09.

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