--- canonical_url: https://lendb.ai/lo/patrick-stoy-39527 json_url: https://lendb.ai/lo/patrick-stoy-39527.json nmls_id: 39527 last_verified: 2026-10-09 --- # Patrick Stoy Senior Vice President of Lending at CrossCountry Mortgage, Wilmington, NC. NMLS ID 39527 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/39527)). **Summary:** Patrick Stoy (NMLS 39527) is Senior Vice President of Lending at CrossCountry Mortgage, based in Wilmington, NC. Licensed in Florida, confirmed with the state regulator (license LO115071). Also lists Kentucky, Minnesota, Missouri, Montana, North Carolina, New Mexico, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, Real estate investor and Reverse mortgage. Earliest state license record: November 9, 2022 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-09. ## At a glance - Earliest state license record: November 9, 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): 25 (source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Kentucky (KY, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), New Mexico (NM, 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 - **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/ - **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/ - **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/ ## About Mortgage professional with 25+ years serving the East Coast, known for personalized service and expert guidance. Patrick leads a high-performance team and is recognized as a Scotsman Guide Top Originator. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 25. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09. - credential: Scotsman Guide Top Originator. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09. - credential: N.C. Home Builders Association Mortgage Professional of the Year. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09. - credential: Top 20 Purchase Loan Officer, Fastest Growing Loan Officer, Top 1% of Mortgage Professionals in NC and nationwide. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09. - role: Top-producing branch manager. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09. - service_area: East Coast. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO115071 | active | confirmed | 2022-11-09 | state_regulator | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | 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 | | NM | 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), Wilmington, NC. Source: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/, 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/39527 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/ - Office phone and Email on file: shown at https://lendb.ai/lo/patrick-stoy-39527#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/39527 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/ Cite as: Patrick Stoy (NMLS 39527), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/patrick-stoy-39527, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._