---
canonical_url: https://lendb.ai/lo/philip-clay-2000290
json_url: https://lendb.ai/lo/philip-clay-2000290.json
nmls_id: 2000290
last_verified: 2026-10-15
---

# Phil Clay

Exec Lending Manager at Trusted Mortgage Capital Inc, Irvine, CA. NMLS ID 2000290 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2000290)).

**Summary:** Phil Clay (NMLS 2000290) is Exec Lending Manager at Trusted Mortgage Capital Inc, based in Irvine, CA. Licensed in 5 states confirmed with state regulators: Florida, Texas, California, Connecticut and Louisiana. Focus areas shown on the lender page: Non-QM loan. Earliest state license record: July 31, 2025 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 31, 2025 (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), California (CA, confirmed), Connecticut (CT, confirmed), Louisiana (LA, 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

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

- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.trustedmortgagecapital.com/team/phil-clay/

## Facts from the lender page and intro

- service_area: Southern California. Source: https://www.trustedmortgagecapital.com/team/phil-clay/, verified 2026-10-15.
- education: University of California, Davis. Source: https://www.trustedmortgagecapital.com/team/phil-clay/, verified 2026-10-15.
- credential: America's Top 1% of Loan Officers in 2021. Source: https://www.trustedmortgagecapital.com/team/phil-clay/, verified 2026-10-15.
- credential: #19 VA Loan Originator in USA, Scotsman Guide 2025. Source: https://www.trustedmortgagecapital.com/team/phil-clay/, verified 2026-10-15.
- other: closed over 50 million in volume. Source: https://www.trustedmortgagecapital.com/team/phil-clay/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO140348 | active | confirmed | 2025-08-11 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2025-07-31 | state_regulator | 2026-10-13 |
| CA | state_license | 02047081 | active | confirmed |  | state_regulator | 2026-10-15 |
| CT | state_license | LO-2000290 | active | confirmed |  | state_regulator | 2026-10-15 |
| LA | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Trusted Mortgage Capital Inc (NMLS 2411952), Irvine, CA. Source: https://www.trustedmortgagecapital.com/team/phil-clay/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2000290

## Contact

- View profile at Trusted Mortgage Capital Inc: https://www.trustedmortgagecapital.com/team/phil-clay/
- Email on file: shown at https://lendb.ai/lo/philip-clay-2000290#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2000290
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- state_regulator: https://www.trustedmortgagecapital.com/team/phil-clay/

Cite as: Phil Clay (NMLS 2000290), Trusted Mortgage Capital Inc. LenDb.ai, https://lendb.ai/lo/philip-clay-2000290, last verified 2026-10-15.

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