---
canonical_url: https://lendb.ai/lo/ryan-nechas-212311
json_url: https://lendb.ai/lo/ryan-nechas-212311.json
nmls_id: 212311
last_verified: 2026-10-09
---

# Ryan Nechas

Loan Officer at CrossCountry Mortgage, Lake Elmo, MN. NMLS ID 212311 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/212311)).

**Summary:** Ryan Nechas (NMLS 212311) is Loan Officer at CrossCountry Mortgage, based in Lake Elmo, MN. Licensed in Florida, confirmed with the state regulator (license LO136399). Also lists Minnesota on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: March 20, 2025 (Florida), per state regulator. States 26 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 20, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 26 (source: https://crosscountrymortgage.com/lake-elmo-mn-4279/ryan-nechas/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Minnesota (MN, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/lake-elmo-mn-4279/ryan-nechas/

## About

Ryan joined the mortgage industry in December 1998 and has 26 years of experience helping clients navigate complicated processes. He was recognized by Scotsman Guide's Top Originators list in 2021 for Most Loans Closed.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://crosscountrymortgage.com/lake-elmo-mn-4279/ryan-nechas/, verified 2026-10-09.
- credential: 2021 Scotsman Guide's Top Originators list for Most Loans Closed. Source: https://crosscountrymortgage.com/lake-elmo-mn-4279/ryan-nechas/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136399 | active | confirmed | 2025-03-20 | state_regulator | 2026-10-09 |
| MN | 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/ryan-nechas/, 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/212311

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/lake-elmo-mn-4279/ryan-nechas/
- Email on file: shown at https://lendb.ai/lo/ryan-nechas-212311#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/212311
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/lake-elmo-mn-4279/ryan-nechas/

Cite as: Ryan Nechas (NMLS 212311), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/ryan-nechas-212311, last verified 2026-10-09.

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