--- canonical_url: https://lendb.ai/lo/tracy-kraus-400403 json_url: https://lendb.ai/lo/tracy-kraus-400403.json nmls_id: 400403 last_verified: 2026-10-09 --- # Tracy Kraus Branch Training and Lead Manager at CrossCountry Mortgage, Meridian, ID. NMLS ID 400403 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400403)). **Summary:** Tracy Kraus (NMLS 400403) is Branch Training and Lead Manager at CrossCountry Mortgage, based in Meridian, ID. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arkansas, Arizona, California, Georgia, Hawaii, Iowa, Idaho, Illinois and 13 more on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Colorado records). Last verified 2026-10-09. ## At a glance - Licensed since 2024 (per Colorado records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, confirmed), Georgia (GA, lender_reported), Hawaii (HI, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), Minnesota (MN, lender_reported), North Dakota (ND, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wyoming (WY, 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 ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO149720 | active | confirmed | 2026-07-22 | state_regulator | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 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 | 100538406 | active | confirmed | 2024-02-29 | state_regulator | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | 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 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | 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 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Meridian, ID. Source: https://crosscountrymortgage.com/meridian-id-3621/tracy-kraus/, 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/400403 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/meridian-id-3621/tracy-kraus/ - Office phone and Email on file: shown at https://lendb.ai/lo/tracy-kraus-400403#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400403 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://crosscountrymortgage.com/meridian-id-3621/tracy-kraus/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=324767&contact=556072 Cite as: Tracy Kraus (NMLS 400403), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/tracy-kraus-400403, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._