---
canonical_url: https://lendb.ai/lo/nicholas-kruger-1323748
json_url: https://lendb.ai/lo/nicholas-kruger-1323748.json
nmls_id: 1323748
last_verified: 2026-10-21
---

# Nicholas Kruger

Loan officer at NEXA Mortgage. NMLS ID 1323748 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1323748)).

Nicholas Kruger (NMLS 1323748) is a mortgage loan officer at NEXA Mortgage, licensed in Wisconsin since 2019 and in Florida.

**Summary:** Nicholas Kruger (NMLS 1323748) is a loan officer at NEXA Mortgage. Licensed in 2 states confirmed with state regulators: Florida and Wisconsin. NEXA Mortgage also offers FHA loan, Jumbo loan, Renovation loan (203k / HomeStyle), Reverse mortgage and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: July 24, 2019 (Wisconsin), per state regulator. Last verified 2026-10-21.

## Quick answers

### Is Nicholas licensed in Florida?

Yes. Florida regulator records list license LO97506 as active, first effective November 15, 2021 (verified 2026-10-15). LenDb has 1 other state on file for Nicholas. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Nicholas work for?

NEXA Mortgage, company NMLS 1660690, per the lender's own site (verified 2026-10-21). Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

### How long has Nicholas been licensed?

The earliest state license record LenDb holds for Nicholas is from July 24, 2019 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: July 24, 2019 (Wisconsin), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Nicholas M. Kruger (FL, as of 2026-10-09)
- Licensed in: Florida (FL, confirmed), Wisconsin (WI, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: NEXA Mortgage's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-08. Source: https://nexamortgage.com
- **Jumbo loan** (`jumbo`): verified 2026-10-08. Source: https://nexamortgage.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-08. Source: https://nexamortgage.com
- **Reverse mortgage** (`reverse`): verified 2026-10-08. Source: https://nexamortgage.com
- **USDA loan** (`usda`): verified 2026-10-08. Source: https://nexamortgage.com
- **VA loan** (`va`): verified 2026-10-08. Source: https://nexamortgage.com

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO97506 | active | confirmed | 2021-11-15 | state_regulator | 2026-10-15 |
| WI | Wisconsin regulator | state_license | 1323748 | active | confirmed | 2019-07-24 | state_regulator | 2026-10-21 |

## Employment history

- ? to present: NEXA Mortgage (NMLS 1660690). Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/, verified 2026-10-21.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1323748

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1323748
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- manual (lender programs): https://nexamortgage.com

Cite as: Nicholas Kruger (NMLS 1323748), NEXA Mortgage. LenDb.ai, https://lendb.ai/lo/nicholas-kruger-1323748, last verified 2026-10-21.

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