--- canonical_url: https://lendb.ai/lo/daphne-feliciano-1227421 json_url: https://lendb.ai/lo/daphne-feliciano-1227421.json nmls_id: 1227421 last_verified: 2026-10-26 --- # Daphne Feliciano Branch Manager | Loan Officer at Cliffco, Inc., Newark, NJ. NMLS ID 1227421 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1227421)). Daphne Feliciano (NMLS 1227421) is a mortgage loan officer at Cliffco, Inc. in Newark, New Jersey, licensed in Florida since 2023 and in Maryland and Pennsylvania. Daphne's own profile lists self-employed and first-time buyer as a focus, and Daphne speaks English and Spanish and works at an FHA-approved lender, per HUD. **Summary:** Daphne Feliciano (NMLS 1227421) is Branch Manager | Loan Officer at Cliffco, Inc., based in Newark, NJ. Licensed in 3 states confirmed with state regulators: Florida, Maryland and Pennsylvania. Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Self-employed and First-time buyer. Speaks English and Spanish. Earliest state license record: January 11, 2023 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Daphne licensed in New Jersey? Cliffco, Inc.'s page for Daphne lists New Jersey. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 3 other states on file for Daphne. Source: https://cliffcomortgage.com/dfeliciano/. ### Does Daphne list self-employed as a focus? Daphne's profile lists self-employed as a focus (from their lender profile page). It also lists first-time buyer. Source: https://cliffcomortgage.com/dfeliciano/. ### What lender does Daphne work for, and is it FHA-approved? Cliffco, Inc., company NMLS 65328, from the Newark, NJ office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://cliffcomortgage.com/dfeliciano/. ### What languages does Daphne speak? English and Spanish, per their lender page (verified 2026-10-15). Source: https://cliffcomortgage.com/dfeliciano/. ### How long has Daphne been licensed? The earliest state license record LenDb holds for Daphne is from January 11, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: January 11, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Maryland (MD, confirmed), New Jersey (NJ, lender_reported), Pennsylvania (PA, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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: English, Spanish (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.85, verified 2026-10-21. Source: https://cliffcomortgage.com/dfeliciano/ - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.75, verified 2026-10-21. Source: https://cliffcomortgage.com/dfeliciano/ ## Facts from the lender page and intro - years_experience: over 20. Source: https://cliffcomortgage.com/dfeliciano/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO116495 | active | confirmed | 2023-01-11 | state_regulator | 2026-10-15 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | PA | Pennsylvania regulator | state_license | 107458 | active | confirmed | | state_regulator | 2026-10-16 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Newark, NJ. Source: https://cliffcomortgage.com/dfeliciano/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1227421 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/dfeliciano/ - Office phone and Email on file: shown at https://lendb.ai/lo/daphne-feliciano-1227421#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1227421 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.labor.maryland.gov/finance/ - lender_site: https://cliffcomortgage.com/dfeliciano/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Daphne Feliciano (NMLS 1227421), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/daphne-feliciano-1227421, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._