---
canonical_url: https://lendb.ai/lo/javier-kato-cma-2230547
json_url: https://lendb.ai/lo/javier-kato-cma-2230547.json
nmls_id: 2230547
last_verified: 2026-10-09
---

# Javier Kato, CMA

Loan Officer at CrossCountry Mortgage, Brooklyn, NY. NMLS ID 2230547 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2230547)).

**Summary:** Javier Kato, CMA (NMLS 2230547) is Loan Officer at CrossCountry Mortgage, based in Brooklyn, NY. Lists New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: DSCR loan, Self-employed and FHA loan. Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: New Jersey (NJ, lender_reported), New York (NY, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/
- **FHA loan** (`fha`): lender page, confidence 0.54, verified 2026-10-09. Source: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/

## About

Javier is a bilingual English and Spanish loan officer serving homebuyers, homeowners and real estate investors across NY and NJ. He specializes in FHA loans, conventional mortgages, co-op and condo financing, self-employed borrowers, DSCR loans and investment property financing.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- credential: CMA (Certified Mortgage Advisor). Source: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/, verified 2026-10-09.
- service_area: Brooklyn, Queens, Manhattan, Long Island, Staten Island, Orange County, Dutchess County NY, Hudson County, Essex County, Union County NJ. Source: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Brooklyn, NY. Source: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2230547

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/
- Email on file: shown at https://lendb.ai/lo/javier-kato-cma-2230547#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2230547
- lender_site: https://crosscountrymortgage.com/brooklyn-ny-3871/javier-kato/

Cite as: Javier Kato, CMA (NMLS 2230547), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/javier-kato-cma-2230547, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._