---
canonical_url: https://lendb.ai/lo/tracy-bray-310482
json_url: https://lendb.ai/lo/tracy-bray-310482.json
nmls_id: 310482
last_verified: 2026-10-09
---

# Tracy Bray

Loan Officer at Atlantic Coast Mortgage, Leesburg, VA. NMLS ID 310482 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/310482)).

**Summary:** Tracy Bray (NMLS 310482) is Loan Officer at Atlantic Coast Mortgage, based in Leesburg, VA. Licensed in Pennsylvania, confirmed with the state regulator (license 121758). Also lists Virginia on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Pennsylvania (PA, confirmed), Virginia (VA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| PA | state_license | 121758 | active | confirmed |  | state_regulator | 2026-10-10 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), Leesburg, VA. Source: https://www.atlanticcoastmortgage.com/lo/tracy-bray/, 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/310482

## Contact

- linkedin_url: https://www.linkedin.com/in/tracy-bray-a939672b/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/tracy-bray/
- Office phone on file: shown at https://lendb.ai/lo/tracy-bray-310482#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/310482
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.atlanticcoastmortgage.com/lo/tracy-bray/

Cite as: Tracy Bray (NMLS 310482), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/tracy-bray-310482, last verified 2026-10-09.

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