---
canonical_url: https://lendb.ai/lo/winfred-mccoy-231497
json_url: https://lendb.ai/lo/winfred-mccoy-231497.json
nmls_id: 231497
last_verified: 2026-10-09
---

# Winfred McCoy

Loan Officer at Union Home Mortgage, Wilmington, NC. NMLS ID 231497 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231497)).

**Summary:** Winfred McCoy (NMLS 231497) is Loan Officer at Union Home Mortgage, based in Wilmington, NC. Licensed in Florida, confirmed with the state regulator (license LO108996). Also lists Georgia, Mississippi, North Carolina, South Carolina, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://www.uhm.com/loan-officers/winfred-mccoy/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, 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


## About

Mortgage Loan Originator with over 30 years of experience, proficient in conventional, government, renovation, and construction-permanent loan programs.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.uhm.com/loan-officers/winfred-mccoy/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO108996 | active | confirmed | 2022-06-08 | state_regulator | 2026-10-09 |
| GA | state_license | 54225 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MS | state_license | 231497 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | I-170898 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | MLO - 231497 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | 131764 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | MLO-31855VA | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Wilmington, NC. Source: https://www.uhm.com/loan-officers/winfred-mccoy/, 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/231497

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/winfred-mccoy/
- Office phone and Email on file: shown at https://lendb.ai/lo/winfred-mccoy-231497#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231497
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.uhm.com/loan-officers/winfred-mccoy/

Cite as: Winfred McCoy (NMLS 231497), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/winfred-mccoy-231497, last verified 2026-10-09.

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