---
canonical_url: https://lendb.ai/lo/kurtis-lay-1525442
json_url: https://lendb.ai/lo/kurtis-lay-1525442.json
nmls_id: 1525442
last_verified: 2026-10-09
---

# Kurtis Lay

Branch Manager at CrossCountry Mortgage, Winter Park, FL. NMLS ID 1525442 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1525442)).

**Summary:** Kurtis Lay (NMLS 1525442) is Branch Manager at CrossCountry Mortgage, based in Winter Park, FL. Licensed in Florida, confirmed with the state regulator (license LO38581). Also lists North Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Non-QM loan and VA loan. Licensed since 2017 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), North Carolina (NC, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/

## Facts from the lender page and intro

- service_area: Winter Park, Deltona, Lake Mary, Apopka, and Daytona Beach, FL. Source: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO38581 | active | confirmed | 2017-01-23 | state_regulator | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Winter Park, FL. Source: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/, 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/1525442

## Contact

- linkedin_url: https://www.linkedin.com/in/kurtislayccm (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/
- Office phone and Email on file: shown at https://lendb.ai/lo/kurtis-lay-1525442#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1525442
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/winter-park-fl-3728/kurtis-lay/

Cite as: Kurtis Lay (NMLS 1525442), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/kurtis-lay-1525442, last verified 2026-10-09.

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