--- canonical_url: https://lendb.ai/lo/hussein-rahil-2039542 json_url: https://lendb.ai/lo/hussein-rahil-2039542.json nmls_id: 2039542 last_verified: 2026-10-31 --- # Ray Rahil Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2039542 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2039542)). Ray Rahil (NMLS 2039542) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida, Texas, Delaware and 8 more states. **Summary:** Ray Rahil (NMLS 2039542) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 11 states confirmed with state regulators: Florida, Texas, Delaware, Missouri, Arkansas, Oregon, Wisconsin, California and 3 more. Earliest state license record: October 15, 2020 (Iowa), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Ray licensed in Florida? Yes. Florida regulator records list license LO144434 as active, first effective January 23, 2026 (verified 2026-10-15). LenDb has 10 other states on file for Ray. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Ray work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/ray-rahil/. ### How long has Ray been licensed? The earliest state license record LenDb holds for Ray is from October 15, 2020 (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: October 15, 2020 (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), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, 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) - None on file yet. ## Facts from the lender page and intro - years_experience: since 2020. Source: https://independencehl.com/ray-rahil/, verified 2026-10-15. - years_experience: nearly 5. Source: https://independencehl.com/ray-rahil/, verified 2026-10-15. - credential: Multiple top closer awards in the Metro Detroit area. Source: https://independencehl.com/ray-rahil/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO144434 | active | confirmed | 2026-01-23 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2024-09-25 | state_regulator | 2026-10-13 | | 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 | 39862 | expired | confirmed | 2020-10-15 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | 2039542 | active | confirmed | 2023-12-14 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2039542 | active | confirmed | 2025-11-26 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2039542 | active | confirmed | 2025-02-13 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0094738 | active | confirmed | 2026-05-08 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-152021 | active | confirmed | 2025-12-30 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/ray-rahil/, 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/2039542 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/ray-rahil/ - Office phone and Email on file: shown at https://lendb.ai/lo/hussein-rahil-2039542#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2039542 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - 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/ - state_regulator: https://independencehl.com/ray-rahil/ Cite as: Ray Rahil (NMLS 2039542), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/hussein-rahil-2039542, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._