---
canonical_url: https://lendb.ai/lo/joshua-raines-2646164
json_url: https://lendb.ai/lo/joshua-raines-2646164.json
nmls_id: 2646164
last_verified: 2026-10-09
---

# Joshua Raines

Mortgage Loan Officer at Loan Factory, FL. NMLS ID 2646164 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2646164)).

**Summary:** Joshua Raines (NMLS 2646164) is Mortgage Loan Officer at Loan Factory, based in Florida. Licensed in Florida, confirmed with the state regulator (license LO135899). Licensed since 2025 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/joshua-raines-2646164, verified 2026-10-09)
- Licensed in: Florida (FL, 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Over 20 years assisting clients with loan needs in Florida, serving the Emerald Coast.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/joshua-raines-2646164, verified 2026-10-09.
- service_area: Florida, Emerald Coast. Source: https://www.loanfactory.com/mortgage-expert/joshua-raines-2646164, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO135899 | active | confirmed | 2025-03-04 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), FL. Source: https://www.loanfactory.com/mortgage-expert/joshua-raines-2646164, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2646164

## Contact

- linkedin_url: https://www.linkedin.com/in/joshua-raines-1598a317b (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joshua-raines-2646164

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2646164
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/joshua-raines-2646164

Cite as: Joshua Raines (NMLS 2646164), Loan Factory. LenDb.ai, https://lendb.ai/lo/joshua-raines-2646164, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._