---
canonical_url: https://lendb.ai/lo/luciano-defranca-1642036
json_url: https://lendb.ai/lo/luciano-defranca-1642036.json
nmls_id: 1642036
last_verified: 2026-10-09
---

# Luciano DeFranca

Mortgage Loan Officer at Loan Factory, FL. NMLS ID 1642036 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1642036)).

**Summary:** Luciano DeFranca (NMLS 1642036) is Mortgage Loan Officer at Loan Factory, based in Florida. Licensed in Florida, confirmed with the state regulator (license LO45044). Speaks English, Spanish and Portuguese. Earliest state license record: July 11, 2017 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 11, 2017 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036, 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: English, Spanish, Portuguese
- Profile: unclaimed
- Status: active

## Specialties


## About

Luciano brings 20+ years of financial industry experience and is a Certified Financial Coach who volunteers in financial education programs.

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/luciano-defranca-1642036, verified 2026-10-09.
- credential: Certified Financial Coach through Ramsey Solutions Master Training. Source: https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036, verified 2026-10-09.
- community: Volunteers in financial education programs. Source: https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO45044 | active | confirmed | 2017-07-11 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), FL. Source: https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036, 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/1642036

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1642036
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036

Cite as: Luciano DeFranca (NMLS 1642036), Loan Factory. LenDb.ai, https://lendb.ai/lo/luciano-defranca-1642036, last verified 2026-10-09.

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