{
  "canonical_url": "https://lendb.ai/lo/kathy-graham-150692",
  "loan_officer": {
    "nmls_id": 150692,
    "slug": "kathy-graham-150692",
    "canonical_url": "https://lendb.ai/lo/kathy-graham-150692",
    "md_url": "https://lendb.ai/lo/kathy-graham-150692.md",
    "json_url": "https://lendb.ai/lo/kathy-graham-150692.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/150692",
    "full_name": {
      "value": "Kathy Graham",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Kathy",
    "last_name": "Graham",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/6abd98f3-9e80-497f-af2c-57b15b35a01b/Website/2909_Graham_150692.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Kathy began her banking career in 1982 and specialized in mortgages in 1997. She provides expert customer service and dedicated support for purchase, refinance, and renovation needs.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 3,
    "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": "Fort Mitchell",
      "branch_state": "KY",
      "branch_zip": "41017",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Fort Mitchell",
        "branch_state": "KY",
        "branch_zip": "41017",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO123719",
        "status": "active",
        "issued_at": "2023-11-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1982",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Specialized in mortgage industry since 1997",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Pleasure Ridge Park and Shepherdsville, KY",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/fort-mitchell-ky-2909/kathy-graham/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 13:13:16.918041+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kathy-graham-150692#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/fort-mitchell-ky-2909/kathy-graham/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}