{
  "canonical_url": "https://lendb.ai/lo/raphael-bangiyev-219590",
  "loan_officer": {
    "nmls_id": 219590,
    "slug": "raphael-bangiyev-219590",
    "canonical_url": "https://lendb.ai/lo/raphael-bangiyev-219590",
    "md_url": "https://lendb.ai/lo/raphael-bangiyev-219590.md",
    "json_url": "https://lendb.ai/lo/raphael-bangiyev-219590.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/219590",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Raphael",
    "last_name": "Bangiyev",
    "headshot_url": {
      "value": "https://s3.amazonaws.com/ccm-lo-images/4618_Bangiyev_219590.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Raphael started in financial services in 2002 and quickly became a top producing originator, winning Rookie of the Year. Since 2014, he manages operations for The Loan Doctors Team.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Originating Branch Manager",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 5,
    "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": "Phoenix",
      "branch_state": "AZ",
      "branch_zip": "85020",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Phoenix",
        "branch_state": "AZ",
        "branch_zip": "85020",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO89493",
        "status": "active",
        "issued_at": "2021-06-14",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "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/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2002",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Rookie of the Year in first year as loan originator",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Partnered with Peter Torneanu in 2007 to form The Loan Doctors Team, later adding Arthur Shalomov to leadership in 2009; operations manager since 2014",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Phoenix, AZ / Scottsdale, AZ area",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4618/raphael-bangiyev/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 14:58:40.76952+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/raphael-bangiyev-219590#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/phoenix-az-4618/raphael-bangiyev/",
      "verified_at": "2026-10-09"
    }
  }
}