{
  "canonical_url": "https://lendb.ai/lo/clay-vinson-2184827",
  "lede": {
    "text": "Based in Sioux Falls, South Dakota, Clay Vinson (NMLS 2184827) is a Mortgage Banker at Plains Commerce Bank.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Clay licensed?",
      "a": "Clay works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Clay work for?",
      "a": "Plains Commerce Bank, company NMLS 463950, from the Sioux Falls, SD office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Clay have?",
      "a": "Clay states 5 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/clay-vinson",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "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"
    }
  }
}