---
canonical_url: https://lendb.ai/lo/michael-frazier-275653
json_url: https://lendb.ai/lo/michael-frazier-275653.json
nmls_id: 275653
last_verified: 2026-10-09
---

# Michael Frazier

Senior Loan Advisor at CrossCountry Mortgage, Gilbert, AZ. NMLS ID 275653 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275653)).

**Summary:** Michael Frazier (NMLS 275653) is Senior Loan Advisor at CrossCountry Mortgage, based in Gilbert, AZ. Licensed in Florida, confirmed with the state regulator (license LO128297). Also lists Colorado, Illinois, Indiana and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan and VA loan. Earliest state license record: May 1, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 1, 2024 (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), Colorado (CO, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), 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

- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/gilbert-az-3655/michael-frazier/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/gilbert-az-3655/michael-frazier/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO128297 | active | confirmed | 2024-05-01 | state_regulator | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Gilbert, AZ. Source: https://crosscountrymortgage.com/gilbert-az-3655/michael-frazier/, 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/275653

## Contact

- linkedin_url: https://www.linkedin.com/in/michaelfraziersr/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/gilbert-az-3655/michael-frazier/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-frazier-275653#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275653
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/gilbert-az-3655/michael-frazier/

Cite as: Michael Frazier (NMLS 275653), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/michael-frazier-275653, last verified 2026-10-09.

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