Frank Rayes
Executive Loan Officer at INDEPENDENCE HOME LOANS LLC
NMLS ID 1127588 (opens in a new tab) · verify at NMLS Consumer Access
Frank Rayes (NMLS 1127588) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2023 and in Connecticut, Delaware, Missouri and 8 more states. Frank's lender page shows a focus on VA loan and HELOC.
Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, New York state regulator, Connecticut state regulator, Delaware state regulator, Missouri state regulator, Arkansas state regulator, Iowa state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator, Maryland state regulator, Illinois state regulator, Nevada state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: November 30, 2023 (Florida), per state regulator
- 12 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Frank licensed in Florida?
- Yes. Florida regulator records list license LO124502 as active, first effective November 30, 2023 (verified 2026-10-15). LenDb has 11 other states on file for Frank.
- Source: Florida state regulator (opens in a new tab)
- Does Frank do VA loans?
- Frank's profile lists VA loan as a focus (from their lender profile page). It also lists HELOC.
- Source: lender page (opens in a new tab)
- What lender does Frank work for?
- INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Frank been licensed?
- The earliest state license record LenDb holds for Frank is from November 30, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
Where we saw these: independencehl.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Connecticut, Delaware, Missouri, Arkansas, Iowa, Oregon, Wisconsin, California, Maryland, Illinois, Nevada
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO124502, first effective 2023-11-30), CT (opens in a new tab) (LO-1127588), DE (opens in a new tab), MO (opens in a new tab), AR (opens in a new tab), IA (opens in a new tab) (56740, first effective 2026-03-11), OR (opens in a new tab), WI (opens in a new tab) (1127588, first effective 2026-05-13), CA DFPI (opens in a new tab) (CA-DFPI1127588, first effective 2023-12-04), MD (opens in a new tab), IL (opens in a new tab) (31.0094800, first effective 2026-05-13), NV (opens in a new tab) (NMLO-1186920, first effective 2023-12-15), verified 2026-10-15. Source: State of Missouri (see disclaimer).
Regulator records not active: NY (expired).
Contact
A quick automatic check keeps bots from harvesting contact details.
We never see who you contact.
Employment history
INDEPENDENCE HOME LOANS LLC NMLS 2524174
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Education
- Bachelor's Degree in Political Science from Wayne State University
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · mld.nv.gov (opens in a new tab) | verified 2026-10-31 |
| Specialties | lender site · independencehl.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Frank Rayes (NMLS 1127588), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/fadi-rayes-1127588, last verified 2026-10-31.
Is this you? Claim it free.
Email us from the work address your lender's website lists for you. We check it against that listing and reply, then you can add specialties, a bio and languages.
- claim@lendb.ai
- Subject:
- Claim NMLS 1127588
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.
Find me on LenDb badge for your website
Paste this on your website or in your email signature. It links to this profile, and switches to "Verified on LenDb" once the profile is claimed.
<a href="https://lendb.ai/lo/fadi-rayes-1127588" title="Frank Rayes, NMLS 1127588, on LenDb"><img src="https://lendb.ai/badge/1127588.svg" alt="Frank Rayes, NMLS 1127588, on LenDb" width="190" height="40" loading="lazy" /></a>