{
  "canonical_url": "https://lendb.ai/lo/nicole-martinez-1911191",
  "loan_officer": {
    "nmls_id": 1911191,
    "slug": "nicole-martinez-1911191",
    "canonical_url": "https://lendb.ai/lo/nicole-martinez-1911191",
    "md_url": "https://lendb.ai/lo/nicole-martinez-1911191.md",
    "json_url": "https://lendb.ai/lo/nicole-martinez-1911191.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1911191",
    "full_name": {
      "value": "Nicole Martinez",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Martinez",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/6661dcd1-adbf-499d-a19d-40ee17726b76/Website/4786_Martinez_1911191.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Nicole brings 30+ years of mortgage experience, including over a decade in loan processing and underwriting. She specializes in helping first-time buyers, self-employed individuals, and veterans throughout California.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
    "languages": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
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    "years_experience": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
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      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Benicia",
      "branch_state": "CA",
      "branch_zip": "94510",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
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        "branch_state": "CA",
        "branch_zip": "94510",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "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/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "More than a decade working in loan processing and underwriting",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "California",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/benicia-ca-4786/nicole-martinez/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:39:02.918371+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nicole-martinez-1911191#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/benicia-ca-4786/nicole-martinez/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}