---
canonical_url: https://lendb.ai/lo/joseph-smith-481139
json_url: https://lendb.ai/lo/joseph-smith-481139.json
nmls_id: 481139
last_verified: 2026-10-09
---

# Joe Smith

Branch Manager / SVP at CrossCountry Mortgage, Boston, MA. NMLS ID 481139 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/481139)).

**Summary:** Joe Smith (NMLS 481139) is Branch Manager / SVP at CrossCountry Mortgage, based in Boston, MA. Licensed in Florida, confirmed with the state regulator (license LO14322). Also lists California, Connecticut, Massachusetts, Maine, New Hampshire, Rhode Island and Vermont on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor, Self-employed and VA loan. Licensed since 2012 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2012 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Connecticut (CT, lender_reported), Massachusetts (MA, lender_reported), Maine (ME, lender_reported), New Hampshire (NH, lender_reported), Rhode Island (RI, lender_reported), Vermont (VT, 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

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/

## About

Joe Smith has funded more than $5 billion in home loans over 30+ years, specializing in complex financing challenges for homebuyers, self-employed borrowers, investors, and veterans.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/, verified 2026-10-09.
- credential: Funded more than $5 billion in home loans throughout career. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/, verified 2026-10-09.
- credential: Scotsman Guide Top Originator. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/, verified 2026-10-09.
- service_area: Serves Boston area including Dorchester Center, Medford, Charlestown, Jamaica Plain, Back Bay, South Boston, Cathedral, Everett, Malden. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO14322 | active | confirmed | 2012-04-19 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 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 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| RI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Boston, MA. Source: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/, 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/481139

## Contact

- linkedin_url: https://www.linkedin.com/in/josephmsmith1/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-smith-481139#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/481139
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/

Cite as: Joe Smith (NMLS 481139), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-smith-481139, last verified 2026-10-09.

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