---
canonical_url: https://lendb.ai/lo/lorraine-loffredo-estrella-322821
json_url: https://lendb.ai/lo/lorraine-loffredo-estrella-322821.json
nmls_id: 322821
last_verified: 2026-10-16
---

# Lorraine Loffredo-Estrella

Senior Mortgage Representative at United Nations Federal Credit Union, New York, NY. NMLS ID 322821 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/322821)).

Lorraine Loffredo-Estrella, NMLS 322821, works as a Senior Mortgage Representative at United Nations Federal Credit Union in New York, New York.

**Summary:** Lorraine Loffredo-Estrella (NMLS 322821) is Senior Mortgage Representative at United Nations Federal Credit Union, based in New York, NY. Works at a credit union, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 25 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Lorraine licensed?

Lorraine works at a credit union; credit union loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Lorraine work for?

United Nations Federal Credit Union, company NMLS 456916, from the New York, NY office, per the lender's own site (verified 2026-10-16). Source: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/.

### How much experience does Lorraine have?

Lorraine states 25 years of experience. Source: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/, verified 2026-10-16)
- Also licensed as (state regulator records, same NMLS ID): Lorraine M. Loffredo Estrella (NY, as of 2026-10-13)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: 25. Source: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/, verified 2026-10-16.
- education: Bachelor of Science degree in Business Administration, Iona College. Source: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: United Nations Federal Credit Union (NMLS 456916), New York, NY. Source: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/322821

## Contact

- View profile at United Nations Federal Credit Union: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/
- Office phone and Email on file: shown at https://lendb.ai/lo/lorraine-loffredo-estrella-322821#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/322821
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://www.unfcu.org/us-home-ownership/find-representative/lorraine-loffredo-estrella/

Cite as: Lorraine Loffredo-Estrella (NMLS 322821), United Nations Federal Credit Union. LenDb.ai, https://lendb.ai/lo/lorraine-loffredo-estrella-322821, last verified 2026-10-16.

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