---
canonical_url: https://lendb.ai/lo/ray-williams-233778
json_url: https://lendb.ai/lo/ray-williams-233778.json
nmls_id: 233778
last_verified: 2026-10-09
---

# Ray Williams

Loan Officer at Atlantic Coast Mortgage, Trinity, FL. NMLS ID 233778 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233778)).

**Summary:** Ray Williams (NMLS 233778) is Loan Officer at Atlantic Coast Mortgage, based in Trinity, FL. Licensed in Florida, confirmed with the state regulator (license LO11196). Earliest state license record: October 12, 2011 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 12, 2011 (Florida), 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)
- 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO11196 | active | confirmed | 2011-10-12 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), Trinity, FL. Source: https://www.atlanticcoastmortgage.com/lo/ray-williams/, 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/233778

## Contact

- linkedin_url: https://www.linkedin.com/in/yourfirsthome/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/ray-williams/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233778
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.atlanticcoastmortgage.com/lo/ray-williams/

Cite as: Ray Williams (NMLS 233778), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/ray-williams-233778, last verified 2026-10-09.

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