Michael Raffa
Branch Manager/VP at Embrace Home Loans · Middletown, RI
NMLS ID 5305 (opens in a new tab) · verify at NMLS Consumer Access
Michael Raffa (NMLS 5305) is Branch Manager/VP at Embrace Home Loans, based in Middletown, RI. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, California, Delaware, Georgia, Indiana, Massachusetts, Maryland and 10 more on the lender page (not yet checked with the state regulator). Licensed since 2010 (per Colorado records).
Last verified . Sources: Embrace Home Loans (embracehomeloans.com), Florida state regulator, Colorado state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2010 (per Colorado records)
- 21 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Colorado, Pennsylvania, Alabama, Arkansas, California, Delaware, Georgia, Indiana, Massachusetts, Maryland, North Carolina, New Jersey, New York, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Virginia, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO1546, since 2011), CO (opens in a new tab) (100032547, since 2010), PA (opens in a new tab) (28186), verified 2026-10-09.
Lender-reported: AL, AR, CA, DE, GA, IN, MA, MD, NC, NJ, NY, OH, OK, RI, TN, TX, VA, WA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Embrace Home Loans NMLS 2184
Current · Middletown, RI · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Michael has been with Embrace since 1993 and currently oversees a team of 12 loan officers as VP. Named Top Annual Sales Leader four times and All Star Team member seven times.
Our summary of the lender page. Verified 2026-10-09.
- Role
- Team Leader and Vice President overseeing team of 12 loan officers
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Top Annual Sales Leader four times; All Star Team member seven times
- Source (opens in a new tab), verified 2026-10-09
- Education
- Bachelor of Science Degree in Business Administration with concentration in Finance from Bryant University
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Michael Raffa (NMLS 5305), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-raffa-5305, last verified 2026-10-09.
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