--- canonical_url: https://lendb.ai/lo/fadi-rayes-1127588 json_url: https://lendb.ai/lo/fadi-rayes-1127588.json nmls_id: 1127588 last_verified: 2026-10-31 --- # Frank Rayes Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 1127588 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1127588)). 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. **Summary:** Frank Rayes (NMLS 1127588) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 12 states confirmed with state regulators: Florida, Connecticut, Delaware, Missouri, Arkansas, Iowa, Oregon, Wisconsin and 4 more. Focus areas shown on the lender page: VA loan and HELOC. Earliest state license record: November 30, 2023 (Florida), per state regulator. Last verified 2026-10-31. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### Does Frank do VA loans? Frank's profile lists VA loan as a focus (from their lender profile page). It also lists HELOC. Source: https://independencehl.com/frank-rayes/. ### What lender does Frank work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/frank-rayes/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: November 30, 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), 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), Maryland (MD, 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) - **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://independencehl.com/frank-rayes/ - **HELOC** (`heloc`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://independencehl.com/frank-rayes/ ## Facts from the lender page and intro - years_experience: since 2013. Source: https://independencehl.com/frank-rayes/, verified 2026-10-15. - education: Bachelor's Degree in Political Science from Wayne State University. Source: https://independencehl.com/frank-rayes/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO124502 | active | confirmed | 2023-11-30 | state_regulator | 2026-10-15 | | NY | New York regulator | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | | CT | Connecticut regulator | state_license | LO-1127588 | 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 | 56740 | active | confirmed | 2026-03-11 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-02-10 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1127588 | active | confirmed | 2026-05-13 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1127588 | active | confirmed | 2023-12-04 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0094800 | active | confirmed | 2026-05-13 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-1186920 | active | confirmed | 2023-12-15 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/frank-rayes/, 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/1127588 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/frank-rayes/ - Office phone and Email on file: shown at https://lendb.ai/lo/fadi-rayes-1127588#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1127588 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.dfs.ny.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.labor.maryland.gov/finance/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://mld.nv.gov/ - lender_site: https://independencehl.com/frank-rayes/ Cite as: Frank Rayes (NMLS 1127588), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/fadi-rayes-1127588, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._