{
  "canonical_url": "https://lendb.ai/lo/philip-clay-2000290",
  "loan_officer": {
    "nmls_id": 2000290,
    "slug": "philip-clay-2000290",
    "canonical_url": "https://lendb.ai/lo/philip-clay-2000290",
    "md_url": "https://lendb.ai/lo/philip-clay-2000290.md",
    "json_url": "https://lendb.ai/lo/philip-clay-2000290.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2000290",
    "full_name": {
      "value": "Phil Clay",
      "source": "state_regulator",
      "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Phil",
    "last_name": "Clay",
    "headshot_url": {
      "value": "https://www.trustedmortgagecapital.com/wp-content/uploads/2023/07/PhilClayHS.jpg",
      "source": "state_regulator",
      "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Exec Lending Manager",
      "source": "state_regulator",
      "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 2411952,
      "lender_name": "Trusted Mortgage Capital Inc",
      "lender_slug": "trusted-mortgage-capital-inc-2411952",
      "branch_city": "Irvine",
      "branch_state": "CA",
      "branch_zip": "92614",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2411952,
        "lender_name": "Trusted Mortgage Capital Inc",
        "lender_slug": "trusted-mortgage-capital-inc-2411952",
        "branch_city": "Irvine",
        "branch_state": "CA",
        "branch_zip": "92614",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO140348",
        "status": "active",
        "issued_at": "2025-08-11",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-07-31",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "02047081",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-2000290",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Southern California",
        "source": "lender_site",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "University of California, Davis",
        "source": "lender_site",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "America's Top 1% of Loan Officers in 2021",
        "source": "lender_site",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "#19 VA Loan Originator in USA, Scotsman Guide 2025",
        "source": "lender_site",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "closed over 50 million in volume",
        "source": "lender_site",
        "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:38:44.664792+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/philip-clay-2000290#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.trustedmortgagecapital.com/team/phil-clay/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-07-31",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2025,
      "state": "TX"
    },
    "federal_registration": null
  }
}