---
canonical_url: https://lendb.ai/lo/victor-bals-162273
json_url: https://lendb.ai/lo/victor-bals-162273.json
nmls_id: 162273
last_verified: 2026-10-09
---

# Victor Bals

Senior Loan Officer at CrossCountry Mortgage, Howell, MI. NMLS ID 162273 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/162273)).

**Summary:** Victor Bals (NMLS 162273) is Senior Loan Officer at CrossCountry Mortgage, based in Howell, MI. Licensed in Florida, confirmed with the state regulator (license LO117682). Also lists Michigan on the lender page (not yet checked with the state regulator). Earliest state license record: February 23, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 23, 2023 (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), Michigan (MI, 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


## About

Victor recovered from a stroke in 2017 with support from his wife Maya, who instilled in him the principle to take care of customers for lasting relationships. He serves South Lyon, Brighton, Pinckney, Clarkston, Hartland, and Fenton, MI areas.

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

## Facts from the lender page and intro

- service_area: South Lyon, Brighton, Pinckney, Clarkston, Hartland, Fenton, MI. Source: https://crosscountrymortgage.com/howell-mi-4584/victor-bals/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117682 | active | confirmed | 2023-02-23 | state_regulator | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Howell, MI. Source: https://crosscountrymortgage.com/howell-mi-4584/victor-bals/, 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/162273

## Contact

- linkedin_url: https://www.linkedin.com/in/victorbals/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/howell-mi-4584/victor-bals/
- Office phone and Email on file: shown at https://lendb.ai/lo/victor-bals-162273#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/162273
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/howell-mi-4584/victor-bals/

Cite as: Victor Bals (NMLS 162273), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/victor-bals-162273, last verified 2026-10-09.

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