---
canonical_url: https://lendb.ai/lo/ray-lockery-2349103
json_url: https://lendb.ai/lo/ray-lockery-2349103.json
nmls_id: 2349103
last_verified: 2026-10-09
---

# Ray Lockery

Mortgage Consultant at CrossCountry Mortgage, Franklin, TN. NMLS ID 2349103 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2349103)).

**Summary:** Ray Lockery (NMLS 2349103) is Mortgage Consultant at CrossCountry Mortgage, based in Franklin, TN. Lists Kentucky and Tennessee on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Kentucky (KY, lender_reported), Tennessee (TN, 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


## About

Ray serves the Franklin, TN community as a mortgage consultant at CrossCountry Mortgage, providing personalized guidance and support from initial consultation through closing.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: Franklin, TN. Source: https://crosscountrymortgage.com/franklin-tn-2819/raymond-lockery/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| KY | state_license | MC865023 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | 2349103 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Franklin, TN. Source: https://crosscountrymortgage.com/franklin-tn-2819/raymond-lockery/, verified 2026-10-09.
- ? to 2026-10-09: Movement Mortgage (NMLS 39179), Franklin, TN. Source: https://movement.com/lo/ray-lockery, 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/2349103

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/franklin-tn-2819/raymond-lockery/
- Office phone and Email on file: shown at https://lendb.ai/lo/ray-lockery-2349103#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2349103
- lender_site: https://crosscountrymortgage.com/franklin-tn-2819/raymond-lockery/
- lender_site: https://movement.com/lo/ray-lockery

Cite as: Ray Lockery (NMLS 2349103), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/ray-lockery-2349103, last verified 2026-10-09.

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