{
  "canonical_url": "https://lendb.ai/lo/christopher-higgins-1995379",
  "loan_officer": {
    "nmls_id": 1995379,
    "slug": "christopher-higgins-1995379",
    "canonical_url": "https://lendb.ai/lo/christopher-higgins-1995379",
    "md_url": "https://lendb.ai/lo/christopher-higgins-1995379.md",
    "json_url": "https://lendb.ai/lo/christopher-higgins-1995379.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1995379",
    "full_name": {
      "value": "Christopher Higgins",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Christopher",
    "last_name": "Higgins",
    "headshot_url": {
      "value": "https://thevault.ccm.com/m/f38e3085e9bd4382/Website-3429_Higgins_1995379.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Chris is a loan officer in Pearl River, NY who emphasizes listening to clients' needs and providing personalized support throughout the home financing process. He offers a range of loan programs including FHA, VA, conventional, and jumbo options.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "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": "Pearl River",
      "branch_state": "NY",
      "branch_zip": "10965",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Pearl River",
        "branch_state": "NY",
        "branch_zip": "10965",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
        "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/pearl-river-ny-3429/christopher-higgins/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/pearl-river-ny-3429/christopher-higgins/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 13:22:52.252185+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/christopher-higgins-1995379#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/pearl-river-ny-3429/christopher-higgins/",
      "verified_at": "2026-10-09"
    }
  }
}