---
canonical_url: https://lendb.ai/lo/thomas-ray-171228
json_url: https://lendb.ai/lo/thomas-ray-171228.json
nmls_id: 171228
last_verified: 2026-10-09
---

# Thomas Ray

Branch Manager at Highlands Residential Mortgage, Greer, SC. NMLS ID 171228 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/171228)).

**Summary:** Thomas Ray (NMLS 171228) is Branch Manager at Highlands Residential Mortgage, based in Greer, SC. Lists South Carolina on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: 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


## About

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

## Facts from the lender page and intro

- years_experience: since 1995. Source: https://www.highlandsmortgage.com/agents/thomas-ray/, verified 2026-10-09.
- service_area: Upstate South Carolina. Source: https://www.highlandsmortgage.com/agents/thomas-ray/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Greer, SC. Source: https://www.highlandsmortgage.com/agents/thomas-ray/, 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/171228

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/thomas-ray/
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-ray-171228#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/171228
- lender_site: https://www.highlandsmortgage.com/agents/thomas-ray/

Cite as: Thomas Ray (NMLS 171228), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-ray-171228, last verified 2026-10-09.

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