---
canonical_url: https://lendb.ai/lo/zachary-nicolay-2724687
json_url: https://lendb.ai/lo/zachary-nicolay-2724687.json
nmls_id: 2724687
last_verified: 2026-10-09
---

# Zachary Nicolay

Loan Advisor at CrossCountry Mortgage, Cleveland, OH. NMLS ID 2724687 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2724687)).

**Summary:** Zachary Nicolay (NMLS 2724687) is Loan Advisor at CrossCountry Mortgage, based in Cleveland, OH. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Arizona, California, District of Columbia, Georgia, Illinois, North Carolina, New Mexico, Ohio and 3 more on the lender page (not yet checked with the state regulator). Earliest state license record: August 6, 2025 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 6, 2025 (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), Pennsylvania (PA, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), North Carolina (NC, lender_reported), New Mexico (NM, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Texas (TX, lender_reported), West Virginia (WV, 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 | LO140222 | active | confirmed | 2025-08-06 | state_regulator | 2026-10-09 |
| PA | state_license | 116298 | active | confirmed |  | state_regulator | 2026-10-10 |
| 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 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | 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 |
| NC | 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 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | 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 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Cleveland, OH. Source: https://crosscountrymortgage.com/cleveland-oh-2036/zachary-nicolay/, 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/2724687

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cleveland-oh-2036/zachary-nicolay/
- Email on file: shown at https://lendb.ai/lo/zachary-nicolay-2724687#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2724687
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://crosscountrymortgage.com/cleveland-oh-2036/zachary-nicolay/

Cite as: Zachary Nicolay (NMLS 2724687), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/zachary-nicolay-2724687, last verified 2026-10-09.

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