{
  "canonical_url": "https://lendb.ai/lo/kirk-arbach-1328683",
  "loan_officer": {
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    "slug": "kirk-arbach-1328683",
    "canonical_url": "https://lendb.ai/lo/kirk-arbach-1328683",
    "md_url": "https://lendb.ai/lo/kirk-arbach-1328683.md",
    "json_url": "https://lendb.ai/lo/kirk-arbach-1328683.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1328683",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Arbach",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/6dddb3e8-f701-40ec-a488-512161e4ae9b/Website/5403_Arbach_1328683.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Kirk has 9 years of experience in home financing after a successful sales career. Based in Lake Oswego, OR, he serves the Portland metro area and specializes in conventional, jumbo, FHA, and VA loans.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 9,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
    "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": "Portland",
      "branch_state": "OR",
      "branch_zip": "97223",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Portland",
        "branch_state": "OR",
        "branch_zip": "97223",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "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/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "9",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Washington State University, graduated 2000",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/portland-or-5403/kirk-arbach/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:59:02.567601+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kirk-arbach-1328683#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/portland-or-5403/kirk-arbach/",
      "verified_at": "2026-10-09"
    },
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    "federal_registration": null
  }
}