{
  "canonical_url": "https://lendb.ai/lo/thomas-ray-171228",
  "loan_officer": {
    "nmls_id": 171228,
    "slug": "thomas-ray-171228",
    "canonical_url": "https://lendb.ai/lo/thomas-ray-171228",
    "md_url": "https://lendb.ai/lo/thomas-ray-171228.md",
    "json_url": "https://lendb.ai/lo/thomas-ray-171228.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/171228",
    "full_name": {
      "value": "Thomas Ray",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Thomas",
    "last_name": "Ray",
    "headshot_url": null,
    "bio": {
      "value": "Thomas grew up in Rock Hill, South Carolina, and has been helping clients with home financing in the Upstate since 1995. He emphasizes education and personalized guidance throughout the mortgage process.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 134871,
      "lender_name": "Highlands Residential Mortgage",
      "lender_slug": "highlands-residential-mortgage-134871",
      "branch_city": "Greer",
      "branch_state": "SC",
      "branch_zip": "29650",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 134871,
        "lender_name": "Highlands Residential Mortgage",
        "lender_slug": "highlands-residential-mortgage-134871",
        "branch_city": "Greer",
        "branch_state": "SC",
        "branch_zip": "29650",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1995",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Upstate South Carolina",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:19:17.96001+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/thomas-ray-171228#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/thomas-ray/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}