--- canonical_url: https://lendb.ai/lo/patricia-clay-1382057 json_url: https://lendb.ai/lo/patricia-clay-1382057.json nmls_id: 1382057 last_verified: 2026-10-09 --- # Pat Clay Sr. Loan Officer at Guild Mortgage, Richmond, VA. NMLS ID 1382057 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1382057)). **Summary:** Pat Clay (NMLS 1382057) is Sr. Loan Officer at Guild Mortgage, based in Richmond, VA. Licensed in Florida, confirmed with the state regulator (license LO55002). Also lists Arizona, California, Colorado, Connecticut, Georgia, Maryland, North Carolina, New Hampshire and 5 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and Reverse mortgage. Licensed since 2018 (per Florida records). States 10 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2018 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 10 (source: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), Pennsylvania (PA, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), West Virginia (WV, 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 - **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html - **Reverse mortgage** (`reverse`): lender page, confidence 0.85, verified 2026-10-09. Source: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html ## About Patricia Clay is a Senior Reverse Mortgage Loan Originator with over 10 years of experience originating reverse and VA loans, with core values of trust, passion, and service. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 10. Source: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html, verified 2026-10-09. - role: Senior Reverse Mortgage Loan Originator. Source: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO55002 | active | confirmed | 2018-07-19 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | 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 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | 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 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Guild Mortgage (NMLS 3274), Richmond, VA. Source: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html, 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/1382057 ## Contact - View profile at Guild Mortgage: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html - Email on file: shown at https://lendb.ai/lo/patricia-clay-1382057#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1382057 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html Cite as: Pat Clay (NMLS 1382057), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/patricia-clay-1382057, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._