{
  "canonical_url": "https://lendb.ai/lo/joseph-manglardi-1128287",
  "loan_officer": {
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    "slug": "joseph-manglardi-1128287",
    "canonical_url": "https://lendb.ai/lo/joseph-manglardi-1128287",
    "md_url": "https://lendb.ai/lo/joseph-manglardi-1128287.md",
    "json_url": "https://lendb.ai/lo/joseph-manglardi-1128287.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1128287",
    "full_name": {
      "value": "Joe Manglardi",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Joe",
    "last_name": "Manglardi",
    "headshot_url": {
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      "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Scotsman Guide Top Originator who has secured $40+ million in financing and closed over 100 loans in a year. Serves home buyers, refinancing, and investment property clients in the Tampa area.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Sr. Vice President",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 13,
    "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": "Tampa",
      "branch_state": "FL",
      "branch_zip": "33609",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Tampa",
        "branch_state": "FL",
        "branch_zip": "33609",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO22656",
        "status": "active",
        "issued_at": "2013-12-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "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/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/joe-manglardi-200a2447/",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Scotsman Guide Top Originator",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "$40+ million in financing secured",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Closed over 100 loans in a year",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Orlando, FL",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/tampa-fl-8219/joseph-manglardi/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 14:45:08.300319+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joseph-manglardi-1128287#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/tampa-fl-8219/joseph-manglardi/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2013,
      "state": "FL"
    },
    "federal_registration": null
  }
}