{
  "canonical_url": "https://lendb.ai/lo/denise-montenegro-2330969",
  "loan_officer": {
    "nmls_id": 2330969,
    "slug": "denise-montenegro-2330969",
    "canonical_url": "https://lendb.ai/lo/denise-montenegro-2330969",
    "md_url": "https://lendb.ai/lo/denise-montenegro-2330969.md",
    "json_url": "https://lendb.ai/lo/denise-montenegro-2330969.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2330969",
    "full_name": {
      "value": "Denise Montenegro",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Denise",
    "last_name": "Montenegro",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/0a953547-520d-4eeb-b969-d5b2d72f35f4/Website/8141_Montenegro_2330969.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Denise is an experienced loan officer at CrossCountry Mortgage serving Newport Beach, CA. She specializes in making mortgage processes simple and personalized for clients purchasing, refinancing, or investing in real estate.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Consultant",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "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": "Newport Beach",
      "branch_state": "CA",
      "branch_zip": "92660",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Newport Beach",
        "branch_state": "CA",
        "branch_zip": "92660",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Newport Beach, CA",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8141/denise-montenegro/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:12:30.83116+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/denise-montenegro-2330969#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/newport-beach-ca-8141/denise-montenegro/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}