---
canonical_url: https://lendb.ai/lo/paul-nicolo-452468
json_url: https://lendb.ai/lo/paul-nicolo-452468.json
nmls_id: 452468
last_verified: 2026-10-09
---

# Paul Nicolo

Loan Officer at CrossCountry Mortgage, Lake Elmo, MN. NMLS ID 452468 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/452468)).

**Summary:** Paul Nicolo (NMLS 452468) is Loan Officer at CrossCountry Mortgage, based in Lake Elmo, MN. Licensed in Florida, confirmed with the state regulator (license LO92983). Also lists Minnesota and Wisconsin on the lender page (not yet checked with the state regulator). Earliest state license record: August 16, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 16, 2021 (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), Minnesota (MN, lender_reported), Wisconsin (WI, 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

Paul is dedicated to helping clients achieve homeownership by navigating mortgage options. He offers conventional, jumbo, FHA, and VA loan products.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO92983 | active | confirmed | 2021-08-16 | state_regulator | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Lake Elmo, MN. Source: https://crosscountrymortgage.com/lake-elmo-mn-4279/paul-nicolo/, 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/452468

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/lake-elmo-mn-4279/paul-nicolo/
- Email on file: shown at https://lendb.ai/lo/paul-nicolo-452468#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/452468
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/lake-elmo-mn-4279/paul-nicolo/

Cite as: Paul Nicolo (NMLS 452468), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/paul-nicolo-452468, last verified 2026-10-09.

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