---
canonical_url: https://lendb.ai/lo/nicholas-kristoff-379253
json_url: https://lendb.ai/lo/nicholas-kristoff-379253.json
nmls_id: 379253
last_verified: 2026-10-09
---

# Nick Kristoff

Branch Manager at CrossCountry Mortgage, Bluffton, SC. NMLS ID 379253 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/379253)).

**Summary:** Nick Kristoff (NMLS 379253) is Branch Manager at CrossCountry Mortgage, based in Bluffton, SC. Licensed in Florida, confirmed with the state regulator (license LO122110). Also lists District of Columbia, Georgia, North Carolina, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Non-QM loan, Real estate investor and HELOC. Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, 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

- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/
- **HELOC** (`heloc`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/

## About

Branch manager licensed in Florida, Georgia, South Carolina, North Carolina and Virginia serving Lowcountry residents. Scotsman Guide Top Originator and Top 1% of Mortgage Originators in America.

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

## Facts from the lender page and intro

- credential: Scotsman Guide Top Originator. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/, verified 2026-10-09.
- credential: Top 1% of Mortgage Originators in America by Mortgage Executive Magazine. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/, verified 2026-10-09.
- service_area: Lowcountry, South Carolina. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO122110 | active | confirmed | 2023-08-08 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | 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 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Bluffton, SC. Source: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/, 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/379253

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/
- Email on file: shown at https://lendb.ai/lo/nicholas-kristoff-379253#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/379253
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/bluffton-sc-4351/nicholas-kristoff/

Cite as: Nick Kristoff (NMLS 379253), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/nicholas-kristoff-379253, last verified 2026-10-09.

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