---
canonical_url: https://lendb.ai/lo/thomas-gaines-1981463
json_url: https://lendb.ai/lo/thomas-gaines-1981463.json
nmls_id: 1981463
last_verified: 2026-10-09
---

# Kevin Gaines

Loan Officer at Fairway Independent Mortgage Corporation, Duluth, GA. NMLS ID 1981463 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1981463)).

**Summary:** Kevin Gaines (NMLS 1981463) is Loan Officer at Fairway Independent Mortgage Corporation, based in Duluth, GA. Licensed in Florida, confirmed with the state regulator (license LO125349). Also lists Alabama, North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan. Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, 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

- **Construction loan** (`construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.fairway.com/lo/kevin-gaines-1981463

## About

Kevin has real estate industry experience since early banking days, handling construction loans, development loans, and mortgages. He brings broad expertise from building homes, developing subdivisions, and managing real estate services across multiple states.

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

## Facts from the lender page and intro

- education: Georgia State University degree in marketing. Source: https://www.fairway.com/lo/kevin-gaines-1981463, verified 2026-10-09.
- role: Built homes, developed subdivisions, led teams in corporate real estate. Source: https://www.fairway.com/lo/kevin-gaines-1981463, verified 2026-10-09.
- service_area: Metro Atlanta market; managed services across multiple states. Source: https://www.fairway.com/lo/kevin-gaines-1981463, verified 2026-10-09.
- community: Served with United Way, Habitat for Humanity, Feed My Starving Children, and church teams; president of Grayson Athletic Association and Grayson Touchdown Club; youth coach. Source: https://www.fairway.com/lo/kevin-gaines-1981463, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO125349 | active | confirmed | 2024-01-16 | state_regulator | 2026-10-09 |
| AL | state_license | 1981463 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | I-211954 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | MLO - 1981463 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Fairway Independent Mortgage Corporation (NMLS 2289), Duluth, GA. Source: https://www.fairway.com/lo/kevin-gaines-1981463, 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/1981463

## Contact

- View profile at Fairway Independent Mortgage Corporation: https://www.fairway.com/lo/kevin-gaines-1981463
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-gaines-1981463#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1981463
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.fairway.com/lo/kevin-gaines-1981463

Cite as: Kevin Gaines (NMLS 1981463), Fairway Independent Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/thomas-gaines-1981463, last verified 2026-10-09.

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