{
  "canonical_url": "https://lendb.ai/lo/michael-zachman-1682867",
  "loan_officer": {
    "nmls_id": 1682867,
    "slug": "michael-zachman-1682867",
    "canonical_url": "https://lendb.ai/lo/michael-zachman-1682867",
    "md_url": "https://lendb.ai/lo/michael-zachman-1682867.md",
    "json_url": "https://lendb.ai/lo/michael-zachman-1682867.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1682867",
    "full_name": {
      "value": "Michael Zachman",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "Zachman",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/fe84be4f-3121-4d17-8b45-582367c0e6dc/Website/3570_Zachman_1682867.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Michael has over a decade of real estate experience and works on one of the top teams in the nation, known for world-class service in Delray Beach, FL.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Originating Branch Manager",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 8,
    "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": "Delray Beach",
      "branch_state": "FL",
      "branch_zip": "33445",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Delray Beach",
        "branch_state": "FL",
        "branch_zip": "33445",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO50534",
        "status": "active",
        "issued_at": "2018-02-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
        "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/delray-beach-fl-3570/michael-zachman/",
        "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/delray-beach-fl-3570/michael-zachman/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/michael-zachman-26628846/",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over a decade",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Delray Beach, FL and surrounding areas",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-3570/michael-zachman/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:33:15.11867+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-zachman-1682867#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-3570/michael-zachman/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2018,
      "state": "FL"
    },
    "federal_registration": null
  }
}