{
  "canonical_url": "https://lendb.ai/lo/nicholas-richard-1924687",
  "loan_officer": {
    "nmls_id": 1924687,
    "slug": "nicholas-richard-1924687",
    "canonical_url": "https://lendb.ai/lo/nicholas-richard-1924687",
    "md_url": "https://lendb.ai/lo/nicholas-richard-1924687.md",
    "json_url": "https://lendb.ai/lo/nicholas-richard-1924687.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1924687",
    "full_name": {
      "value": "Nicholas Richard",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nicholas",
    "last_name": "Richard",
    "headshot_url": {
      "value": "https://s3.amazonaws.com/ccm-lo-images/2419_Richard_1924687.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Nicholas is a retired U.S. Air Force propulsion mechanic with six years of service. He holds bachelor's and master's degrees in exercise science from the University of Louisiana at Lafayette and is originally from Opelousas, now based in Lafayette.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "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": "Lafayette",
      "branch_state": "LA",
      "branch_zip": "70508",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Lafayette",
        "branch_state": "LA",
        "branch_zip": "70508",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
        "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/lafayette-la-2419/nicholas-richard/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nicholas-richard-54095127/",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Taught as an adjunct professor",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Originally from Opelousas, Louisiana; now based in Lafayette",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/lafayette-la-2419/nicholas-richard/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 13:42:47.146596+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nicholas-richard-1924687#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/lafayette-la-2419/nicholas-richard/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}