{
  "canonical_url": "https://lendb.ai/lo/adam-penney-1937816",
  "loan_officer": {
    "nmls_id": 1937816,
    "slug": "adam-penney-1937816",
    "canonical_url": "https://lendb.ai/lo/adam-penney-1937816",
    "md_url": "https://lendb.ai/lo/adam-penney-1937816.md",
    "json_url": "https://lendb.ai/lo/adam-penney-1937816.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1937816",
    "full_name": {
      "value": "Adam Penney",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Adam",
    "last_name": "Penney",
    "headshot_url": {
      "value": "https://thevault.ccm.com/m/a0a348bb0855a20c/Website-2121_Penney_1937816.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Adam has been building lifelong client relationships since 2020, offering 24/7 support and direct access to his cell phone. He specializes in conventional, USDA, FHA, VA, and refinance loans in the Cleveland, OH area.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 1,
    "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": "Niles",
      "branch_state": "OH",
      "branch_zip": "44446",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Niles",
        "branch_state": "OH",
        "branch_zip": "44446",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO137181",
        "status": "active",
        "issued_at": "2025-04-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "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/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2020",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Niles, OH and Cleveland, OH area",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:11:13.65673+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/adam-penney-1937816#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/niles-oh-2121/adam-penney/",
      "verified_at": "2026-10-09"
    }
  }
}