{
  "canonical_url": "https://lendb.ai/lo/emily-costin-1049056",
  "loan_officer": {
    "nmls_id": 1049056,
    "slug": "emily-costin-1049056",
    "canonical_url": "https://lendb.ai/lo/emily-costin-1049056",
    "md_url": "https://lendb.ai/lo/emily-costin-1049056.md",
    "json_url": "https://lendb.ai/lo/emily-costin-1049056.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1049056",
    "full_name": {
      "value": "Emily Costin",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Emily",
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    "headshot_url": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Emily Costin has 15 years of mortgage experience, starting in loan processing and now serving as VP of Mortgage Lending. She serves Wilmington and surrounding areas including Magnolia, Azalea, and Myrtle Grove.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
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    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
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      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Wilmington",
      "branch_state": "NC",
      "branch_zip": "28403",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Wilmington",
        "branch_state": "NC",
        "branch_zip": "28403",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Attended UNC Wilmington",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Magnolia, NC; Azalea, NC; Myrtle Grove, NC; Wilmington, NC",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/emily-costin/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:36:37.985354+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/emily-costin-1049056#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/wilmington-nc-3933/emily-costin/",
      "verified_at": "2026-10-09"
    },
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    "licensed_since": null,
    "federal_registration": null
  }
}