---
canonical_url: https://lendb.ai/lo/tracey-wheeler-413393
json_url: https://lendb.ai/lo/tracey-wheeler-413393.json
nmls_id: 413393
last_verified: 2026-10-09
---

# Tracey Wheeler

Sr. Loan Officer at CrossCountry Mortgage, San Diego, CA. NMLS ID 413393 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/413393)).

**Summary:** Tracey Wheeler (NMLS 413393) is Sr. Loan Officer at CrossCountry Mortgage, based in San Diego, CA. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arizona, California, Missouri, North Dakota, New Mexico, Tennessee, Texas and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. Licensed since 2026 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, confirmed), Missouri (MO, lender_reported), North Dakota (ND, lender_reported), New Mexico (NM, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-diego-ca-3241/tracey-wheeler/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-diego-ca-3241/tracey-wheeler/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO148375 | active | confirmed | 2026-06-04 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | 100545817 | active | confirmed | 2026-06-17 | state_regulator | 2026-10-10 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ND | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NM | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), San Diego, CA. Source: https://crosscountrymortgage.com/san-diego-ca-3241/tracey-wheeler/, 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/413393

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/san-diego-ca-3241/tracey-wheeler/
- Email on file: shown at https://lendb.ai/lo/tracey-wheeler-413393#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/413393
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/san-diego-ca-3241/tracey-wheeler/
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=356550&contact=591767

Cite as: Tracey Wheeler (NMLS 413393), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/tracey-wheeler-413393, last verified 2026-10-09.

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