{
  "canonical_url": "https://lendb.ai/lo/randy-reay-110185",
  "loan_officer": {
    "nmls_id": 110185,
    "slug": "randy-reay-110185",
    "canonical_url": "https://lendb.ai/lo/randy-reay-110185",
    "md_url": "https://lendb.ai/lo/randy-reay-110185.md",
    "json_url": "https://lendb.ai/lo/randy-reay-110185.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/110185",
    "full_name": {
      "value": "Randy Reay",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Randy",
    "last_name": "Reay",
    "headshot_url": {
      "value": "https://thevault.ccm.com/m/940f571bbe5c81/Website-3863_Reay_110185.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Randy has 34 years of mortgage industry experience and specializes in FHA 203(k) renovation programs. He is deeply involved with REALTOR® boards and known for personalized, thorough client service.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 34,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "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": "Parsippany",
      "branch_state": "NJ",
      "branch_zip": "07054",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Parsippany",
        "branch_state": "NJ",
        "branch_zip": "07054",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "34",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Affiliate of the Year",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Involved with Somerset County and North Central Board of REALTORS®",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Parsippany, NJ area; Union County resident",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/randolph-reay/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 14:27:46.838505+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/randy-reay-110185#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/parsippany-nj-3863/randolph-reay/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}