---
canonical_url: https://lendb.ai/lo/nic-mccay-2782184
json_url: https://lendb.ai/lo/nic-mccay-2782184.json
nmls_id: 2782184
last_verified: 2026-10-16
---

# Nic McCay

Mortgage Banker at Plains Commerce Bank, Sioux Falls, SD. NMLS ID 2782184 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2782184)).

Nic McCay (NMLS 2782184) is a Mortgage Banker at Plains Commerce Bank in Sioux Falls, South Dakota.

**Summary:** Nic McCay (NMLS 2782184) is Mortgage Banker at Plains Commerce Bank, based in Sioux Falls, SD. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Last verified 2026-10-16.

## Quick answers

### Is Nic licensed?

Nic works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Nic work for?

Plains Commerce Bank, company NMLS 463950, from the Sioux Falls, SD office, per the lender's own site (verified 2026-10-16). Source: https://www.plainscommerce.com/community-banking/our-people/nic-mccay.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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 (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.)
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

## About

Nic McCay is a Mortgage Banker in Sioux Falls. Their profile says they were a highly decorated collegiate baseball player and that they enjoy golfing in their free time.

Source: LenDb summary of the lender page, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Plains Commerce Bank (NMLS 463950), Sioux Falls, SD. Source: https://www.plainscommerce.com/community-banking/our-people/nic-mccay, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2782184

## Contact

- View profile at Plains Commerce Bank: https://www.plainscommerce.com/community-banking/our-people/nic-mccay
- Office phone and Email on file: shown at https://lendb.ai/lo/nic-mccay-2782184#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2782184
- lender_site: https://www.plainscommerce.com/community-banking/our-people/nic-mccay

Cite as: Nic McCay (NMLS 2782184), Plains Commerce Bank. LenDb.ai, https://lendb.ai/lo/nic-mccay-2782184, last verified 2026-10-16.

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