Patrick Joyce
Loan Officer at Lower · Columbia, MD
NMLS ID 197039 (opens in a new tab) · verify at NMLS Consumer Access
Patrick Joyce (NMLS 197039) is Loan Officer at Lower, based in Columbia, MD. Lists District of Columbia, Maryland and Michigan on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). States 33 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 33 years experience (stated)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
District of Columbia, Maryland, Michigan
Lender-reported: DC, MD, MI are listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): FL (expired).
Contact
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Employment history
Lower NMLS 1124061
Current · Columbia, MD · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Patrick Joyce has over 33 years of experience in financial documentation, loan facilitation and client relations, and describes themselves as a credit expert.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Patrick Joyce (NMLS 197039), Lower. LenDb.ai, https://lendb.ai/lo/patrick-joyce-197039, last verified 2026-10-10.
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