--- canonical_url: https://lendb.ai/lo/michael-raffa-5305 json_url: https://lendb.ai/lo/michael-raffa-5305.json nmls_id: 5305 last_verified: 2026-10-09 --- # Michael Raffa Branch Manager/VP at Embrace Home Loans, Middletown, RI. NMLS ID 5305 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5305)). **Summary:** 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 2026-10-09. ## At a glance - Licensed since 2010 (per Colorado records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), California (CA, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Indiana (IN, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Rhode Island (RI, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported) - 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 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. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: since 1993. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa, verified 2026-10-09. - role: Team Leader and Vice President overseeing team of 12 loan officers. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa, verified 2026-10-09. - credential: Top Annual Sales Leader four times; All Star Team member seven times. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa, verified 2026-10-09. - education: Bachelor of Science Degree in Business Administration with concentration in Finance from Bryant University. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO1546 | active | confirmed | 2011-01-18 | state_regulator | 2026-10-09 | | CO | state_license | 100032547 | active | confirmed | 2010-08-04 | state_regulator | 2026-10-10 | | PA | state_license | 28186 | active | confirmed | | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Embrace Home Loans (NMLS 2184), Middletown, RI. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa, 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/5305 ## Contact - View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa - Office phone and Email on file: shown at https://lendb.ai/lo/michael-raffa-5305#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5305 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139452&contact=36288 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa Cite as: Michael Raffa (NMLS 5305), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-raffa-5305, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._