{
  "canonical_url": "https://lendb.ai/lo/stanford-cross-493470",
  "loan_officer": {
    "nmls_id": 493470,
    "slug": "stanford-cross-493470",
    "canonical_url": "https://lendb.ai/lo/stanford-cross-493470",
    "md_url": "https://lendb.ai/lo/stanford-cross-493470.md",
    "json_url": "https://lendb.ai/lo/stanford-cross-493470.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/493470",
    "full_name": {
      "value": "Stanford Cross",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Stanford",
    "last_name": "Cross",
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/790dc48d-fd67-482c-8d82-6e554d3c46f5/Stanford-Cross.jpg?width=614&height=768&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Stanford Cross is a Mortgage Loan Officer who has worked in mortgage lending for over 32 years and is an Air Force veteran. They say they specialize in construction, investment property, USDA and VA loans. Their service area includes Portsmouth, Dover and surrounding communities in New Hampshire.",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 449200,
      "lender_name": "Bangor Savings Bank",
      "lender_slug": "bangor-savings-bank-449200",
      "branch_city": "Portsmouth",
      "branch_state": "NH",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 449200,
        "lender_name": "Bangor Savings Bank",
        "lender_slug": "bangor-savings-bank-449200",
        "branch_city": "Portsmouth",
        "branch_state": "NH",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "community",
        "value": "Engages with local non-profits",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Portsmouth, Dover, Exeter, Hampton, Rye, Newmarket, Stratham, NH",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:28:54.078133+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/stanford-cross-493470#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://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/stanford-cross/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}