{
  "canonical_url": "https://lendb.ai/lo/james-barrowman-1949972",
  "loan_officer": {
    "nmls_id": 1949972,
    "slug": "james-barrowman-1949972",
    "canonical_url": "https://lendb.ai/lo/james-barrowman-1949972",
    "md_url": "https://lendb.ai/lo/james-barrowman-1949972.md",
    "json_url": "https://lendb.ai/lo/james-barrowman-1949972.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1949972",
    "full_name": {
      "value": "James Barrowman",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
      "verified_at": "2026-10-09"
    },
    "first_name": "James",
    "last_name": "Barrowman",
    "headshot_url": {
      "value": "https://thevault.ccm.com/m/d730fafa8048f5f3/Website-5613_Barrowman_1949972.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Vice President of Lending",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Middletown",
      "branch_state": "NJ",
      "branch_zip": "07748",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Middletown",
        "branch_state": "NJ",
        "branch_zip": "07748",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "co-op",
        "label": "Co-op",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "condo",
        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "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/middletown-nj-3466/james-barrowman/",
        "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/middletown-nj-3466/james-barrowman/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/middletown-nj-3466/james-barrowman/",
        "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/middletown-nj-3466/james-barrowman/",
        "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/middletown-nj-3466/james-barrowman/",
        "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/middletown-nj-3466/james-barrowman/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:31:07.424214+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/james-barrowman-1949972#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/middletown-nj-3466/james-barrowman/",
      "verified_at": "2026-10-09"
    }
  }
}