---
canonical_url: https://lendb.ai/lo/heath-thomas-2221095
json_url: https://lendb.ai/lo/heath-thomas-2221095.json
nmls_id: 2221095
last_verified: 2026-10-09
---

# Heath Thomas Jr.

Loan Officer at Highlands Residential Mortgage, Baltimore, MD. NMLS ID 2221095 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2221095)).

**Summary:** Heath Thomas Jr. (NMLS 2221095) is Loan Officer at Highlands Residential Mortgage, based in Baltimore, MD. Licensed in Florida, confirmed with the state regulator (license LO120986). Also lists California, Georgia, Maryland, North Carolina, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, Real estate investor, Renovation loan (203k / HomeStyle) and VA loan. Earliest state license record: June 21, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 21, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/heath-thomas-jr/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/heath-thomas-jr/
- **Real estate investor** (`investor`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/heath-thomas-jr/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/heath-thomas-jr/
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/heath-thomas-jr/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO120986 | active | confirmed | 2023-06-21 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | 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 |
| 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: Highlands Residential Mortgage (NMLS 134871), Baltimore, MD. Source: https://www.highlandsmortgage.com/agents/heath-thomas-jr/, 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/2221095

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/heath-thomas-jr/
- Office phone and Email on file: shown at https://lendb.ai/lo/heath-thomas-2221095#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2221095
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/heath-thomas-jr/

Cite as: Heath Thomas Jr. (NMLS 2221095), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/heath-thomas-2221095, last verified 2026-10-09.

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