{
  "canonical_url": "https://lendb.ai/lo/jacqueline-koven-252596",
  "loan_officer": {
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    "slug": "jacqueline-koven-252596",
    "canonical_url": "https://lendb.ai/lo/jacqueline-koven-252596",
    "md_url": "https://lendb.ai/lo/jacqueline-koven-252596.md",
    "json_url": "https://lendb.ai/lo/jacqueline-koven-252596.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/252596",
    "full_name": {
      "value": "Jacqueline Koven",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Jacqueline",
    "last_name": "Koven",
    "headshot_url": null,
    "bio": {
      "value": "Jacqueline has over 20 years in the mortgage industry since 2004, serving New Jersey, New York, and surrounding communities. Recognized among Top 1% of Mortgage Originators in the U.S. and a property investor.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Vice President of Lending",
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      "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "languages": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 3,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Summit",
      "branch_state": "NJ",
      "branch_zip": "07901",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Summit",
        "branch_state": "NJ",
        "branch_zip": "07901",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO117979",
        "status": "active",
        "issued_at": "2023-03-07",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "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/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "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/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "32010",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "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/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "since 2004",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Scotsman Guide honoree for the past five years",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Closed more than $110 million in mortgage transactions in the past two years",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "New Jersey, New York, Hudson, Essex, and Bergen Counties",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:01:11.665158+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jacqueline-koven-252596#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/summit-nj-3974/jacqueline-koven/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}