Holly Ray
Loan Officer at Veterans United Home Loans · Scott Air Force Base, IL
NMLS ID 1992719 (opens in a new tab) · verify at NMLS Consumer Access
Holly Ray (NMLS 1992719) is Loan Officer at Veterans United Home Loans, based in Scott Air Force Base, IL. Licensed in 2 states confirmed with state regulators: Florida and Texas. Focus areas shown on the lender page: VA loan. Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan (a lender program, not confirmed as their own focus). Earliest state license record: July 2, 2021 (Florida), per state regulator.
Last verified . Sources: Veterans United Home Loans (stlouis.veteransunited.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: July 2, 2021 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
Where we saw these: stlouis.veteransunited.com (opens in a new tab)
Their lender offers
FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan. Programs Veterans United Home Loans offers (verified 2026-10-10). Lender-level: not confirmed as Holly's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO90631, first effective 2021-07-02), TX (opens in a new tab), verified 2026-10-15.
Contact
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Employment history
Veterans United Home Loans NMLS 1907
Current · Scott Air Force Base, IL · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Holly Ray is a veteran and military spouse who focuses on serving military families. They guide borrowers through a clear, approachable homebuying process centered on communication.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · stlouis.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Specialties | lender site · stlouis.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · stlouis.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · stlouis.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · stlouis.veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Holly Ray (NMLS 1992719), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/holly-ray-1992719, last verified 2026-10-15.
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