---
canonical_url: https://lendb.ai/lo/joseph-cosares-1445886
json_url: https://lendb.ai/lo/joseph-cosares-1445886.json
nmls_id: 1445886
last_verified: 2026-10-09
---

# Joseph Cosares

Outside Loan Originator at CrossCountry Mortgage, Delray Beach, FL. NMLS ID 1445886 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1445886)).

**Summary:** Joseph Cosares (NMLS 1445886) is Outside Loan Originator at CrossCountry Mortgage, based in Delray Beach, FL. Lists New Jersey and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. Earliest state license record: July 8, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 8, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: New Jersey (NJ, lender_reported), Pennsylvania (PA, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-8217/joseph-cosares/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-8217/joseph-cosares/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO110436 | expired | confirmed | 2022-07-08 | state_regulator | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Delray Beach, FL. Source: https://crosscountrymortgage.com/delray-beach-fl-8217/joseph-cosares/, 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/1445886

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/delray-beach-fl-8217/joseph-cosares/
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-cosares-1445886#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1445886
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/delray-beach-fl-8217/joseph-cosares/

Cite as: Joseph Cosares (NMLS 1445886), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-cosares-1445886, last verified 2026-10-09.

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