---
canonical_url: https://lendb.ai/lo/zach-taylor-315344
json_url: https://lendb.ai/lo/zach-taylor-315344.json
nmls_id: 315344
last_verified: 2026-10-09
---

# Zach Taylor

Senior Mortgage Advisor at CrossCountry Mortgage, Encinitas, CA. NMLS ID 315344 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/315344)).

**Summary:** Zach Taylor (NMLS 315344) is Senior Mortgage Advisor at CrossCountry Mortgage, based in Encinitas, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Jumbo loan, Real estate investor and First-time buyer. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, verified 2026-10-09)
- Licensed in: California (CA, 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 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/

## About

Zach brings 30 years of experience as a mortgage professional specializing in the Encinitas and coastal San Diego areas. He is a licensed California Real Estate Broker with UC San Diego Economics degree.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, verified 2026-10-09.
- service_area: Del Mar, Solana Beach, Cardiff, Encinitas, Carlsbad, Oceanside, San Marcos, Vista, CA. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, verified 2026-10-09.
- credential: Licensed California Real Estate Broker; Full NMLS licensing credential. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, verified 2026-10-09.
- education: UC San Diego degree in Economics. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, verified 2026-10-09.
- community: Coached soccer for Encinitas Express and Lacrosse at Canyon Crest Academy. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, 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 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Encinitas, CA. Source: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/, 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/315344

## Contact

- linkedin_url: https://www.linkedin.com/in/zachary-taylor-70566546/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/
- Email on file: shown at https://lendb.ai/lo/zach-taylor-315344#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/315344
- lender_site: https://crosscountrymortgage.com/encinitas-ca-8143/zachary-taylor/

Cite as: Zach Taylor (NMLS 315344), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/zach-taylor-315344, last verified 2026-10-09.

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