---
canonical_url: https://lendb.ai/lo/patrick-joyce-197039
json_url: https://lendb.ai/lo/patrick-joyce-197039.json
nmls_id: 197039
last_verified: 2026-10-10
---

# Patrick Joyce

Loan Officer at Lower, Columbia, MD. NMLS ID 197039 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/197039)).

**Summary:** 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). Earliest state license record: September 23, 2022 (Florida), per state regulator. States 33 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: September 23, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 33 (source: https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce, verified 2026-10-10)
- Licensed in: District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), Michigan (MI, 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

Patrick Joyce has over 33 years of experience in financial documentation, loan facilitation and client relations, and describes themselves as a credit expert.

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

## Facts from the lender page and intro

- years_experience: 33. Source: https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce, verified 2026-10-10.
- other: credit expert. Source: https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO113512 | expired | confirmed | 2022-09-23 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/197039

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce
- Email on file: shown at https://lendb.ai/lo/patrick-joyce-197039#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/197039
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce

Cite as: Patrick Joyce (NMLS 197039), Lower. LenDb.ai, https://lendb.ai/lo/patrick-joyce-197039, last verified 2026-10-10.

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