{
  "canonical_url": "https://lendb.ai/lo/nicola-james-293138",
  "loan_officer": {
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    "slug": "nicola-james-293138",
    "canonical_url": "https://lendb.ai/lo/nicola-james-293138",
    "md_url": "https://lendb.ai/lo/nicola-james-293138.md",
    "json_url": "https://lendb.ai/lo/nicola-james-293138.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/293138",
    "full_name": {
      "value": "Nikki James",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nikki",
    "last_name": "James",
    "headshot_url": {
      "value": "https://thevault.ccm.com/m/c1948f63848730a2/Website-5152_James_293138.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Nikki has 30+ years of combined team experience and specializes in bridge loans, RSU income, complex income structures, and first-time homebuyers, focusing on education and personalized affordability assessments.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Advisor",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
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    "years_experience": null,
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    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
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      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Greenwood Village",
      "branch_state": "CO",
      "branch_zip": "80111",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "lender_type": "imb",
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      "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
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        "lender_slug": "crosscountry-mortgage-3029",
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        "branch_zip": "80111",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": "LO121399",
        "status": "expired",
        "issued_at": "2023-07-11",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nikkijames",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30+",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
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        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Part of Littleton, CO branch",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/greenwood-village-co-5152/nicola-james/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 15:02:06.652051+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nicola-james-293138#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/greenwood-village-co-5152/nicola-james/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
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      "state": "FL"
    },
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  }
}