{
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  "loan_officer": {
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Arias",
    "headshot_url": {
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      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Johanna is a bilingual Sr. Loan Officer with 10 years as a loan officer and 13 years in financing. She serves English and Spanish-speaking clients across Pennsylvania, New Jersey, and Florida, specializing in DSCR, ITIN, Non-QM, and first-time buyer loans.",
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      "verified_at": "2026-10-09"
    },
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      "verified_at": "2026-10-09"
    },
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        "es"
      ],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
      "verified_at": "2026-10-09"
    },
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    "claimed_at": null,
    "profile_completeness": 100,
    "current_employment": {
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      "lender_slug": "crosscountry-mortgage-3029",
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      "branch_state": "PA",
      "branch_zip": "18104",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
      "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": "PA",
        "branch_zip": "18104",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
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        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO116501",
        "status": "active",
        "issued_at": "2023-01-11",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "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/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "92761",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
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        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "itin",
        "label": "ITIN borrower",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Allentown, PA; Lehigh Valley; Pennsylvania, New Jersey, Florida",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
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        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
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        "source": "lender_site",
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        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Scotsman Guide Top Emerging Stars (2025)",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Scotsman Guide Top Originators for Most Loans Closed (2021)",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Mortgage Executive Magazine Top 50 Mortgage Originators in America (2021)",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "NAHREP Top 250 Latino Mortgage Originator (2023, 2025–2026)",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "PHFA Top Producing Mortgage Originator (2024–2025)",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:14:04.736118+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/johanna-arias-908021#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/allentown-pa-2587/johanna-arias/",
      "verified_at": "2026-10-09"
    },
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      "state": "FL"
    },
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  }
}