--- canonical_url: https://lendb.ai/lo/fadi-rakine-2107569 json_url: https://lendb.ai/lo/fadi-rakine-2107569.json nmls_id: 2107569 last_verified: 2026-10-31 --- # Fred Rakine Sales Director at INDEPENDENCE HOME LOANS LLC. NMLS ID 2107569 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2107569)). Fred Rakine (NMLS 2107569) is a Sales Director at INDEPENDENCE HOME LOANS LLC, licensed in Iowa since 2021 and in Florida, Texas, Connecticut and 11 more states. **Summary:** Fred Rakine (NMLS 2107569) is Sales Director at INDEPENDENCE HOME LOANS LLC. Licensed in 15 states confirmed with state regulators: Florida, Texas, Connecticut, Delaware, Missouri, Arkansas, Iowa, Oregon and 7 more. Earliest state license record: March 15, 2021 (Iowa), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Fred licensed in Florida? Yes. Florida regulator records list license LO97568 as active, first effective November 16, 2021 (verified 2026-10-15). LenDb has 14 other states on file for Fred. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Fred work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/fred-rakine/. ### How long has Fred been licensed? The earliest state license record LenDb holds for Fred is from March 15, 2021 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/. ## At a glance - Earliest state license record: March 15, 2021 (Iowa), 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), Texas (TX, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Illinois (IL, confirmed), Nevada (NV, confirmed) - 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 (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) - None on file yet. ## Facts from the lender page and intro - years_experience: over 10. Source: https://independencehl.com/fred-rakine/, verified 2026-10-15. - education: Bachelor's degree in engineering, Wayne State University. Source: https://independencehl.com/fred-rakine/, verified 2026-10-15. - credential: Ranked #1 in expected close ratio. Source: https://independencehl.com/fred-rakine/, verified 2026-10-15. - credential: Over $500 million in funded mortgage volume. Source: https://independencehl.com/fred-rakine/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO97568 | active | confirmed | 2021-11-16 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-06-10 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-2107569 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 43646 | active | confirmed | 2021-03-15 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-01-22 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2107569 | active | confirmed | 2025-04-01 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI 2107569 | active | confirmed | 2021-05-04 | state_regulator | 2026-10-24 | | MA | Massachusetts regulator | state_license | MLO2107569 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 102073 | active | confirmed | 2021-04-09 | state_regulator | 2026-10-27 | | IL | Illinois regulator | state_license | 31.0083747 | active | confirmed | 2024-01-16 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-1176435 | active | confirmed | 2021-10-27 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/fred-rakine/, 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/2107569 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/fred-rakine/ - Office phone and Email on file: shown at https://lendb.ai/lo/fadi-rakine-2107569#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2107569 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://mld.nv.gov/ - state_regulator: https://independencehl.com/fred-rakine/ Cite as: Fred Rakine (NMLS 2107569), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/fadi-rakine-2107569, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._