---
canonical_url: https://lendb.ai/lo/joseph-latorre-1015189
json_url: https://lendb.ai/lo/joseph-latorre-1015189.json
nmls_id: 1015189
last_verified: 2026-10-09
---

# Joseph Latorre

Sr. Loan Officer at CrossCountry Mortgage, San Juan Capistrano, CA. NMLS ID 1015189 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1015189)).

**Summary:** Joseph Latorre (NMLS 1015189) is Sr. Loan Officer at CrossCountry Mortgage, based in San Juan Capistrano, CA. Lists Arizona and California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/

## About

Joseph Latorre is a Sr. Loan Officer with over 20 years of experience, beginning as a personal banker before transitioning to loan origination in 2003. He specializes in purchase loans with a strong focus on VA loans, which comprise about 30% of his business.

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

## Facts from the lender page and intro

- years_experience: since 2003. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/, verified 2026-10-09.
- role: Started career as personal banker before transitioning to loan origination. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/, verified 2026-10-09.
- service_area: Oceanside, San Juan Capistrano, Rancho San Clemente, Dana Point, Rancho Santa Margarita, and San Clemente, CA. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/, verified 2026-10-09.
- education: Graduated from Lake Forest College in the top 10% of class. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), San Juan Capistrano, CA. Source: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/, 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/1015189

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-latorre-1015189#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1015189
- lender_site: https://crosscountrymortgage.com/san-juan-capistrano-ca-4047/joseph-latorre/

Cite as: Joseph Latorre (NMLS 1015189), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-latorre-1015189, last verified 2026-10-09.

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