{
  "canonical_url": "https://lendb.ai/lo/malcolm-gianella-1929631",
  "loan_officer": {
    "nmls_id": 1929631,
    "slug": "malcolm-gianella-1929631",
    "canonical_url": "https://lendb.ai/lo/malcolm-gianella-1929631",
    "md_url": "https://lendb.ai/lo/malcolm-gianella-1929631.md",
    "json_url": "https://lendb.ai/lo/malcolm-gianella-1929631.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1929631",
    "full_name": {
      "value": "Malcolm Gianella",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Malcolm",
    "last_name": "Gianella",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/b4ad5596-fe79-4b59-8101-89fb8de09ff3/Website/3744_Gianella_1929631.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Outside Loan Originator",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 3,
    "years_experience": null,
    "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": "Naples",
      "branch_state": "FL",
      "branch_zip": "34109",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Naples",
        "branch_state": "FL",
        "branch_zip": "34109",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO119302",
        "status": "active",
        "issued_at": "2023-04-24",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
        "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/naples-fl-3744/malcolm-gianella/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
        "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/naples-fl-3744/malcolm-gianella/",
        "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/naples-fl-3744/malcolm-gianella/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Cape Coral North FL, Lehigh Acres FL, General Mail Facility Miami FL",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/naples-fl-3744/malcolm-gianella/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 14:25:45.519089+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/malcolm-gianella-1929631#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/naples-fl-3744/malcolm-gianella/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}