---
canonical_url: https://lendb.ai/lo/luz-del-carmen-mccray-1232031
json_url: https://lendb.ai/lo/luz-del-carmen-mccray-1232031.json
nmls_id: 1232031
last_verified: 2026-10-09
---

# Luz Del Carmen McCray

Mortgage Loan Originator at Total Mortgage Services, West Palm Beach, FL. NMLS ID 1232031 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1232031)).

**Summary:** Luz Del Carmen McCray (NMLS 1232031) is Mortgage Loan Originator at Total Mortgage Services, based in West Palm Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO131560). Earliest state license record: September 5, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 5, 2024 (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)
- 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO131560 | active | confirmed | 2024-09-05 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), West Palm Beach, FL. Source: https://www.totalmortgage.com/bankers/luz-del-carmen-mccray, 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/1232031

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/luz-del-carmen-mccray
- Email on file: shown at https://lendb.ai/lo/luz-del-carmen-mccray-1232031#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1232031
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/luz-del-carmen-mccray

Cite as: Luz Del Carmen McCray (NMLS 1232031), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/luz-del-carmen-mccray-1232031, last verified 2026-10-09.

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