{
  "canonical_url": "https://lendb.ai/lo/christopher-downey-10240",
  "loan_officer": {
    "nmls_id": 10240,
    "slug": "christopher-downey-10240",
    "canonical_url": "https://lendb.ai/lo/christopher-downey-10240",
    "md_url": "https://lendb.ai/lo/christopher-downey-10240.md",
    "json_url": "https://lendb.ai/lo/christopher-downey-10240.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/10240",
    "full_name": {
      "value": "Chris Downey",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Chris",
    "last_name": "Downey",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/6359dc0e-38b3-422c-b417-31bffb2fc197/Website/4763_Downey_10240.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Chris serves the Norwell, MA community as a mortgage loan officer. He offers a wide range of loan products including VA, FHA, conventional and exclusive programs.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Regional Vice President - Reverse One",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Norwell",
      "branch_state": "MA",
      "branch_zip": "02061",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Norwell",
        "branch_state": "MA",
        "branch_zip": "02061",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO150377",
        "status": "active",
        "issued_at": "2026-08-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:56:02.306592+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/christopher-downey-10240#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/norwell-ma-4763/christopher-downey/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2026-08-17",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}