---
canonical_url: https://lendb.ai/lo/kristin-roy-118498
json_url: https://lendb.ai/lo/kristin-roy-118498.json
nmls_id: 118498
last_verified: 2026-10-09
---

# Kristin Roy

Vice President of Lending at CrossCountry Mortgage, Loveland, CO. NMLS ID 118498 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/118498)).

**Summary:** Kristin Roy (NMLS 118498) is Vice President of Lending at CrossCountry Mortgage, based in Loveland, CO. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Georgia, Illinois, Kentucky, Tennessee, Texas and Washington on the lender page (not yet checked with the state regulator). Earliest state license record: September 25, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 25, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Kentucky (KY, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Washington (WA, 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

Kristin is a loan officer with years of experience helping borrowers with conventional, FHA, and home equity financing in the Loveland, CO area.

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

## Facts from the lender page and intro

- service_area: Loveland, CO. Source: https://crosscountrymortgage.com/loveland-co-5382/kristin-roy/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO132061 | active | confirmed | 2024-09-25 | state_regulator | 2026-10-09 |
| CO | state_license | 100544018 | active | confirmed | 2025-12-19 | state_regulator | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Loveland, CO. Source: https://crosscountrymortgage.com/loveland-co-5382/kristin-roy/, 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/118498

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/loveland-co-5382/kristin-roy/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristin-roy-118498#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/118498
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=347697&contact=582451
- lender_site: https://crosscountrymortgage.com/loveland-co-5382/kristin-roy/

Cite as: Kristin Roy (NMLS 118498), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/kristin-roy-118498, last verified 2026-10-09.

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