---
canonical_url: https://lendb.ai/lo/joe-soto-175142
json_url: https://lendb.ai/lo/joe-soto-175142.json
nmls_id: 175142
last_verified: 2026-10-09
---

# Joe Soto

Regional Vice President at CrossCountry Mortgage, Cypress, CA. NMLS ID 175142 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/175142)).

**Summary:** 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 2026-10-09.

## At a glance

- Years licensed: unknown
- Years experience (stated by the LO): 20 (source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/, verified 2026-10-09)
- Licensed in: Arizona (AZ), California (CA), Georgia (GA), Hawaii (HI), Idaho (ID), North Carolina (NC), Nevada (NV), Oregon (OR), Rhode Island (RI), Tennessee (TN), Texas (TX), Washington (WA)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **1099 income** (`1099-income`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/
- **Bank statement loan** (`bank-statement`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/

## 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.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/, verified 2026-10-09.
- credential: Consistent five-star reviews. Source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| HI | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| ID | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| RI | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Cypress, CA. Source: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/, 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/175142

## Contact

- linkedin_url: https://www.linkedin.com/in/joe-soto-2aa52532/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/
- Office phone and Email on file: shown at https://lendb.ai/lo/joe-soto-175142#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/175142
- lender_site: https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/

Cite as: Joe Soto (NMLS 175142), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joe-soto-175142, last verified 2026-10-09.

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