{
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      "verified_at": "2026-10-09"
    },
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      "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
      "verified_at": "2026-10-09"
    },
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      "verified_at": "2026-10-09"
    },
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    "profile_completeness": 95,
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      "lender_slug": "crosscountry-mortgage-3029",
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      "end_date": null,
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      "lender_type": "imb",
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      "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
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    },
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        "end_date": null,
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        "lender_type": "imb",
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        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09"
      }
    ],
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        "issued_at": "2021-07-27",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
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        "license_number": null,
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        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "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/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "107944",
        "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": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "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/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09"
      }
    ],
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        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
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        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09"
      },
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        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Forked River, Toms River, Tuckerton, Lanoka Harbor, and Lakehurst, NJ",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 13:20:19.727969+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/mark-ramos-216938#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/toms-river-nj-3276/mark-ramos/",
      "verified_at": "2026-10-09"
    },
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      "year": 2021,
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    },
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  }
}