{
  "canonical_url": "https://lendb.ai/lo/clay-vinson-2184827",
  "loan_officer": {
    "nmls_id": 2184827,
    "slug": "clay-vinson-2184827",
    "canonical_url": "https://lendb.ai/lo/clay-vinson-2184827",
    "md_url": "https://lendb.ai/lo/clay-vinson-2184827.md",
    "json_url": "https://lendb.ai/lo/clay-vinson-2184827.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2184827",
    "full_name": {
      "value": "Clay Vinson",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "first_name": "Clay",
    "last_name": "Vinson",
    "headshot_url": {
      "value": "https://www.plainscommerce.com/assets/general-uploads/team/_213x213_crop_top-center_none/Clay-Vinson.jpg",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Clay Vinson is a Mortgage Banker based in Sioux Falls, SD. They have five years of experience in the mortgage field and serve clients in all 50 states. Their father's work in mortgage inspired them to join the field.",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 5,
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 463950,
      "lender_name": "Plains Commerce Bank",
      "lender_slug": "plains-commerce-bank-463950",
      "branch_city": "Sioux Falls",
      "branch_state": "SD",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 463950,
        "lender_name": "Plains Commerce Bank",
        "lender_slug": "plains-commerce-bank-463950",
        "branch_city": "Sioux Falls",
        "branch_state": "SD",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [
      {
        "kind": "video_intro",
        "summary": "Clay has a short recorded video intro on Plains Commerce Bank's site.",
        "listen_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
        "duration_seconds": null,
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
        "verified_at": "2026-10-16"
      }
    ],
    "facts": [
      {
        "kind": "years_experience",
        "value": "5",
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "all 50 states",
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 06:23:12.7607+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/clay-vinson-2184827#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.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}