{
  "canonical_url": "https://lendb.ai/lo/steven-mcintosh-648887",
  "loan_officer": {
    "nmls_id": 648887,
    "slug": "steven-mcintosh-648887",
    "canonical_url": "https://lendb.ai/lo/steven-mcintosh-648887",
    "md_url": "https://lendb.ai/lo/steven-mcintosh-648887.md",
    "json_url": "https://lendb.ai/lo/steven-mcintosh-648887.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/648887",
    "full_name": {
      "value": "Steve McIntosh",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Steve",
    "last_name": "McIntosh",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/0ccf359a-20a5-4ee1-ab35-dacc295c8532/Website/4525_McIntosh_648887.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Steve offers nearly 20 years of home financing experience and specializes in helping first-time homebuyers, Veterans and Service Members. He has lived in Northeast Florida since 1995.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "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": "Ponte Vedra Beach",
      "branch_state": "FL",
      "branch_zip": "32082",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Ponte Vedra Beach",
        "branch_state": "FL",
        "branch_zip": "32082",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO146240",
        "status": "active",
        "issued_at": "2026-03-26",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100545496",
        "status": "active",
        "issued_at": "2026-05-15",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=355632&contact=590751",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "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/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "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/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/steven-mcintosh-3a093450/",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "nearly 20 years",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Active in church, youth sports, and local organizations; lived in Northeast Florida since 1995",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/steven-mcintosh/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:51:27.467904+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/steven-mcintosh-648887#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/ponte-vedra-beach-fl-4160/steven-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2026-03-26",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}