{
  "canonical_url": "https://lendb.ai/lo/billy-watkins-2012196",
  "loan_officer": {
    "nmls_id": 2012196,
    "slug": "billy-watkins-2012196",
    "canonical_url": "https://lendb.ai/lo/billy-watkins-2012196",
    "md_url": "https://lendb.ai/lo/billy-watkins-2012196.md",
    "json_url": "https://lendb.ai/lo/billy-watkins-2012196.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2012196",
    "full_name": {
      "value": "Billy Watkins",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Billy",
    "last_name": "Watkins",
    "headshot_url": {
      "value": "https://thevault.ccm.com/m/125701bf6c836502/Website-6845_Watkins_2012196.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Based in Heath, TX, Billy brings 28 years in education and 4 years in mortgage experience. He teaches government and coaches golf at Melissa High School while helping clients navigate homeownership.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 4,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "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": "Rockwall",
      "branch_state": "TX",
      "branch_zip": "75032",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Rockwall",
        "branch_state": "TX",
        "branch_zip": "75032",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "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/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "4",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Teacher and coach",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "28",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Heath, TX",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/rockwall-tx-6845/billy-watkins-jr/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:13:50.612021+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/billy-watkins-2012196#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/rockwall-tx-6845/billy-watkins-jr/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}