---
canonical_url: https://lendb.ai/lo/rachel-needle-2020874
json_url: https://lendb.ai/lo/rachel-needle-2020874.json
nmls_id: 2020874
last_verified: 2026-10-09
---

# Rachel Needle

Loan Officer at Atlantic Coast Mortgage, North Bethesda, MD. NMLS ID 2020874 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2020874)).

**Summary:** Rachel Needle (NMLS 2020874) is Loan Officer at Atlantic Coast Mortgage, based in North Bethesda, MD. Licensed in Florida, confirmed with the state regulator (license LO150964). Also lists California, District of Columbia, Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: September 15, 2026 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: September 15, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), Virginia (VA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/rachel-needle/

## About

Rachel serves first-time homebuyers and experienced purchasers across five states. With 20+ years on the East Coast, she focuses on conventional, jumbo, FHA, and VA loans, emphasizing transparent communication and advocacy throughout the mortgage process.

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

## Facts from the lender page and intro

- years_experience: over 20. Source: https://www.atlanticcoastmortgage.com/lo/rachel-needle/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO150964 | active | confirmed | 2026-09-15 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DC | 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 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), North Bethesda, MD. Source: https://www.atlanticcoastmortgage.com/lo/rachel-needle/, 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/2020874

## Contact

- linkedin_url: https://www.linkedin.com/in/rachelhopeneedle (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/rachel-needle/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2020874
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.atlanticcoastmortgage.com/lo/rachel-needle/

Cite as: Rachel Needle (NMLS 2020874), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/rachel-needle-2020874, last verified 2026-10-09.

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