---
canonical_url: https://lendb.ai/lo/joan-zeruld-kofsky-133361
json_url: https://lendb.ai/lo/joan-zeruld-kofsky-133361.json
nmls_id: 133361
last_verified: 2026-10-09
---

# Joan Kofsky

Loan Officer at CrossCountry Mortgage, Wayne, PA. NMLS ID 133361 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/133361)).

**Summary:** Joan Kofsky (NMLS 133361) is Loan Officer at CrossCountry Mortgage, based in Wayne, PA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Connecticut, Delaware, Maryland, New Jersey and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor, First-time buyer and Renovation loan (203k / HomeStyle). Earliest state license record: October 19, 2017 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 19, 2017 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Connecticut (CT, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, confirmed), South Carolina (SC, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.80, verified 2026-10-09. Source: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.80, verified 2026-10-09. Source: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/

## About

Joan has closed thousands of loans over 25 years, helping borrowers invest in real estate and build equity. She serves first-time homebuyers and investors, offering conventional, jumbo, FHA, and VA loans.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO47762 | active | confirmed | 2017-10-19 | state_regulator | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 22713 | active | confirmed |  | state_regulator | 2026-10-10 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Wayne, PA. Source: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/, 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/133361

## Contact

- linkedin_url: https://www.linkedin.com/in/joan-kofsky-65a4bb2a/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/
- Email on file: shown at https://lendb.ai/lo/joan-zeruld-kofsky-133361#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/133361
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Joan Kofsky (NMLS 133361), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joan-zeruld-kofsky-133361, last verified 2026-10-09.

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