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        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/mikemurg/",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 25",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Scotsman Top Originator year over year since 2013",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Leads The Murg Team",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 15:10:38.084959+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-murgatroy-60099#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/delray-beach-fl-8294/michael-murgatroy/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2011,
      "state": "CO"
    },
    "federal_registration": null
  }
}