---
canonical_url: https://lendb.ai/lo/raymond-trolan-459769
json_url: https://lendb.ai/lo/raymond-trolan-459769.json
nmls_id: 459769
last_verified: 2026-10-09
---

# Ray Trolan

Renovation Lending Manager at First Heritage Mortgage. NMLS ID 459769 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459769)).

**Summary:** Ray Trolan (NMLS 459769) is Renovation Lending Manager at First Heritage Mortgage. Lists Delaware and Maryland on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Renovation loan (203k / HomeStyle). Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: Delaware (DE, lender_reported), Maryland (MD, 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

- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.85, verified 2026-10-09. Source: https://fhmtg.com/officers/ray-trolan/

## About

Ray is dedicated to making home financing clear and easy to understand. He focuses on listening, clear communication, and timely follow-up, tailoring guidance to each client's unique goals and financial situation.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO119828 | expired | confirmed | 2023-05-11 | state_regulator | 2026-10-09 |
| DE | 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 |

## Employment history

- ? to present: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/ray-trolan/, 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/459769

## Contact

- View profile at First Heritage Mortgage: https://fhmtg.com/officers/ray-trolan/
- Office phone on file: shown at https://lendb.ai/lo/raymond-trolan-459769#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459769
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://fhmtg.com/officers/ray-trolan/

Cite as: Ray Trolan (NMLS 459769), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/raymond-trolan-459769, last verified 2026-10-09.

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