---
canonical_url: https://lendb.ai/lo/donald-fraker-2075049
json_url: https://lendb.ai/lo/donald-fraker-2075049.json
nmls_id: 2075049
last_verified: 2026-10-13
---

# Ryan Fraker

Loan Officer at CrossCountry Mortgage, Bend, OR. NMLS ID 2075049 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2075049)).

**Summary:** Ryan Fraker (NMLS 2075049) is Loan Officer at CrossCountry Mortgage, based in Bend, OR. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, California, Idaho, Montana, Oregon and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. Earliest state license record: January 13, 2026 (Texas), per state regulator. Last verified 2026-10-13.

## At a glance

- Earliest state license record: January 13, 2026 (Texas), 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), Arizona (AZ, lender_reported), California (CA, lender_reported), Idaho (ID, lender_reported), Montana (MT, lender_reported), Oregon (OR, lender_reported), Texas (TX, confirmed), Washington (WA, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bend-or-4320/donald-fraker/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bend-or-4320/donald-fraker/

## About

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

## Facts from the lender page and intro

- community: Passionate about giving back to the community and inspiring others through contributions. Source: https://crosscountrymortgage.com/bend-or-4320/donald-fraker/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO150192 | active | confirmed | 2026-08-10 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | active | confirmed | 2026-01-13 | state_regulator | 2026-10-13 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Bend, OR. Source: https://crosscountrymortgage.com/bend-or-4320/donald-fraker/, 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/2075049

## Contact

- linkedin_url: https://www.linkedin.com/in/ryan-fraker-24a3b9201/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/bend-or-4320/donald-fraker/
- Office phone and Email on file: shown at https://lendb.ai/lo/donald-fraker-2075049#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2075049
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/bend-or-4320/donald-fraker/
- state_regulator: https://www.sml.texas.gov/

Cite as: Ryan Fraker (NMLS 2075049), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/donald-fraker-2075049, last verified 2026-10-13.

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