---
canonical_url: https://lendb.ai/lo/justin-gray-1149227
json_url: https://lendb.ai/lo/justin-gray-1149227.json
nmls_id: 1149227
last_verified: 2026-10-15
---

# Justin Gray

Loan officer at Prosperity Home Mortgage. NMLS ID 1149227 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1149227)).

**Summary:** Justin Gray (NMLS 1149227) is a loan officer at Prosperity Home Mortgage. Licensed in 2 states confirmed with state regulators: Florida and Texas. Earliest state license record: February 6, 2014 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: February 6, 2014 (Texas), 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), Texas (TX, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO55240 | active | confirmed | 2018-07-31 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2014-02-06 | state_regulator | 2026-10-13 |
| NY | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: Prosperity Home Mortgage (NMLS 75164). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1149227

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1149227
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dfs.ny.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Justin Gray (NMLS 1149227), Prosperity Home Mortgage. LenDb.ai, https://lendb.ai/lo/justin-gray-1149227, last verified 2026-10-15.

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