---
canonical_url: https://lendb.ai/lo/joseph-girolamo-496314
json_url: https://lendb.ai/lo/joseph-girolamo-496314.json
nmls_id: 496314
last_verified: 2026-10-09
---

# Joseph Girolamo

Originating Branch Manager at CrossCountry Mortgage, Peabody, MA. NMLS ID 496314 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/496314)).

**Summary:** Joseph Girolamo (NMLS 496314) is Originating Branch Manager at CrossCountry Mortgage, based in Peabody, MA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Connecticut, Massachusetts, Maine, North Carolina, New Hampshire, Rhode Island, South Carolina and Texas on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Connecticut (CT, lender_reported), Massachusetts (MA, lender_reported), Maine (ME, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), Pennsylvania (PA, confirmed), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Texas (TX, 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


## About

Joseph has over 30 years of mortgage industry experience starting from his first home purchase in 1988. He is known for expertise in loan diagnostics, process flow, and problem-solving, and mentors new loan officers.

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

## Facts from the lender page and intro

- years_experience: over 30 years. Source: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/, verified 2026-10-09.
- role: Promoted to Sales Manager early in career, known for expertise in complex scenarios. Source: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/, verified 2026-10-09.
- credential: Known for expertise in loan diagnostics, process flow, and problem-solving. Source: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/, verified 2026-10-09.
- community: Mentors new loan officers. Source: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO99145 | active | confirmed | 2021-12-15 | state_regulator | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ME | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 114635 | active | confirmed |  | state_regulator | 2026-10-09 |
| RI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Peabody, MA. Source: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/, 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/496314

## Contact

- linkedin_url: https://www.linkedin.com/in/joseph-girolamo-1771982/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-girolamo-496314#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/496314
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/peabody-ma-4822/joseph-girolamo/
- state_regulator: https://data.pa.gov/d/tyxc-jyug

Cite as: Joseph Girolamo (NMLS 496314), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-girolamo-496314, last verified 2026-10-09.

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