---
canonical_url: https://lendb.ai/lo/nicola-james-293138
json_url: https://lendb.ai/lo/nicola-james-293138.json
nmls_id: 293138
last_verified: 2026-10-09
---

# Nikki James

Mortgage Advisor at CrossCountry Mortgage, Greenwood Village, CO. NMLS ID 293138 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/293138)).

**Summary:** Nikki James (NMLS 293138) is Mortgage Advisor at CrossCountry Mortgage, based in Greenwood Village, CO. Lists California and Colorado on the lender page (not yet checked with the state regulator). Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), Colorado (CO, 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


## About

Nikki has 30+ years of combined team experience and specializes in bridge loans, RSU income, complex income structures, and first-time homebuyers, focusing on education and personalized affordability assessments.

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/greenwood-village-co-5152/nicola-james/, verified 2026-10-09.
- other: Specializes in bridge loans and RSU income. Source: https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/, verified 2026-10-09.
- other: Part of Littleton, CO branch. Source: https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121399 | expired | confirmed | 2023-07-11 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Greenwood Village, CO. Source: https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/, 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/293138

## Contact

- linkedin_url: https://www.linkedin.com/in/nikkijames (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/
- Office phone and Email on file: shown at https://lendb.ai/lo/nicola-james-293138#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/293138
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/

Cite as: Nikki James (NMLS 293138), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/nicola-james-293138, last verified 2026-10-09.

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