Joe Soto
Regional Vice President at CrossCountry Mortgage · Cypress, CA
NMLS ID 175142 (opens in a new tab) · verify at NMLS Consumer Access
Joe Soto (NMLS 175142) is Regional Vice President at CrossCountry Mortgage, based in Cypress, CA. Licensed in 12 states: Arizona, California, Georgia, Hawaii, Idaho, North Carolina, Nevada, Oregon and 4 more. Focus areas shown on the lender page: 1099 income, Bank statement loan and Self-employed. States 20 years of experience.
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com) and NMLS Consumer Access (license status, check live).
- 20 years experience
- 12 states
- Unclaimed profile
- No actions on file
Specialties
Where we saw these: crosscountrymortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Arizona, California, Georgia, Hawaii, Idaho, North Carolina, Nevada, Oregon, Rhode Island, Tennessee, Texas, Washington
As listed on the lender page (AZ, CA, GA, HI, ID, NC, NV, OR, RI, TN, TX, WA), not yet checked against state regulators.
Contact
A quick automatic check keeps bots from harvesting contact details.
- Profile (opens in a new tab)
We never see who you contact.
Employment history
CrossCountry Mortgage NMLS 3029
Current · Cypress, CA · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
Over 20 years of mortgage experience. Specializes in self-employed borrowers and complex income using bank statements and 1099 income, plus first-time homebuyers and down payment assistance programs.
Our summary of the lender page. Verified 2026-10-09.
Reviews
Reviews on other sites
Ratings and links from Google, Zillow, Experience.com and the lender's own site will appear here. We link out; we never copy review text.
LenDb reviews
Verified borrower reviews are coming. No paid reviews, no gating, no hiding negatives.
Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Joe Soto (NMLS 175142), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joe-soto-175142, last verified 2026-10-09.
Is this you?
Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.