---
canonical_url: https://lendb.ai/lo/ray-vargas-2103203
json_url: https://lendb.ai/lo/ray-vargas-2103203.json
nmls_id: 2103203
last_verified: 2026-10-09
---

# Ray Vargas

Mortgage Banker at Total Mortgage Services, Upper Tumon, GU. NMLS ID 2103203 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2103203)).

**Summary:** Ray Vargas (NMLS 2103203) is Mortgage Banker at Total Mortgage Services, based in Upper Tumon, GU. Earliest state license record: March 10, 2022 (Florida), per state regulator. States 6 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 10, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 6 (source: https://www.totalmortgage.com/bankers/ray-randolph-vargas, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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 is an accomplished senior loan officer with over 6 years of mortgage origination and financial analysis experience. He is a former construction manager with real estate licensing and expertise in residential project oversight.

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

## Facts from the lender page and intro

- years_experience: 6. Source: https://www.totalmortgage.com/bankers/ray-randolph-vargas, verified 2026-10-09.
- role: Senior Loan Officer, former Construction Manager. Source: https://www.totalmortgage.com/bankers/ray-randolph-vargas, verified 2026-10-09.
- credential: Real Estate license. Source: https://www.totalmortgage.com/bankers/ray-randolph-vargas, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO103898 | expired | confirmed | 2022-03-10 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Upper Tumon, GU. Source: https://www.totalmortgage.com/bankers/ray-randolph-vargas, 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/2103203

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/ray-randolph-vargas
- Email on file: shown at https://lendb.ai/lo/ray-vargas-2103203#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2103203
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/ray-randolph-vargas

Cite as: Ray Vargas (NMLS 2103203), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/ray-vargas-2103203, last verified 2026-10-09.

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