---
canonical_url: https://lendb.ai/lo/johanna-arias-908021
json_url: https://lendb.ai/lo/johanna-arias-908021.json
nmls_id: 908021
last_verified: 2026-10-09
---

# Johanna Arias

Sr. Loan Officer at CrossCountry Mortgage, Allentown, PA. NMLS ID 908021 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/908021)).

**Summary:** Johanna Arias (NMLS 908021) is Sr. Loan Officer at CrossCountry Mortgage, based in Allentown, PA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: DSCR loan, Foreign national, ITIN borrower, Non-QM loan and Real estate investor. Speaks English and Spanish. Licensed since 2023 (per Florida records). States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), Pennsylvania (PA, confirmed)
- 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **DSCR loan** (`dscr`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- **Foreign national** (`foreign-national`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- **ITIN borrower** (`itin`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/

## About

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.

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- service_area: Allentown, PA; Lehigh Valley; Pennsylvania, New Jersey, Florida. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: Scotsman Guide Top Originators (2020–2024, 2026). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: Scotsman Guide Top Women Originators (2026). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: Scotsman Guide Top Emerging Stars (2025). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: Scotsman Guide Top Originators for Most Loans Closed (2021). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: Mortgage Executive Magazine Top 50 Mortgage Originators in America (2021). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: NAHREP Top 250 Latino Mortgage Originator (2023, 2025–2026). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.
- credential: PHFA Top Producing Mortgage Originator (2024–2025). Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO116501 | active | confirmed | 2023-01-11 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 92761 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Allentown, PA. Source: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/, 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/908021

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- Email on file: shown at https://lendb.ai/lo/johanna-arias-908021#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/908021
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Johanna Arias (NMLS 908021), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/johanna-arias-908021, last verified 2026-10-09.

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