{
  "canonical_url": "https://lendb.ai/lo/donald-fraker-2075049",
  "loan_officer": {
    "nmls_id": 2075049,
    "slug": "donald-fraker-2075049",
    "canonical_url": "https://lendb.ai/lo/donald-fraker-2075049",
    "md_url": "https://lendb.ai/lo/donald-fraker-2075049.md",
    "json_url": "https://lendb.ai/lo/donald-fraker-2075049.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2075049",
    "full_name": {
      "value": "Ryan Fraker",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ryan",
    "last_name": "Fraker",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/65a105f8-5dcf-46c7-a9b2-e8962ca89ab6/Website/4320_Fraker_2075049.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Background in law enforcement with years in the mortgage industry. Offers full spectrum of loan products including OHCS and zero-down programs, dedicated to community service and enhancing client real estate journeys.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Bend",
      "branch_state": "OR",
      "branch_zip": "97702",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Bend",
        "branch_state": "OR",
        "branch_zip": "97702",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO150192",
        "status": "active",
        "issued_at": "2026-08-10",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-01-13",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/ryan-fraker-24a3b9201/",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "community",
        "value": "Passionate about giving back to the community and inspiring others through contributions",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-13",
    "updated_at": "2026-10-13 15:28:16.208057+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/donald-fraker-2075049#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/bend-or-4320/donald-fraker/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2026-01-13",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2026,
      "state": "TX"
    },
    "federal_registration": null
  }
}