---
canonical_url: https://lendb.ai/lo/rafael-acosta-1111342
json_url: https://lendb.ai/lo/rafael-acosta-1111342.json
nmls_id: 1111342
last_verified: 2026-10-09
---

# Rafael Acosta

Mortgage Loan Officer at Loan Factory. NMLS ID 1111342 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1111342)).

**Summary:** Rafael Acosta (NMLS 1111342) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO22076). Speaks English and Spanish. Earliest state license record: November 1, 2013 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 1, 2013 (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/rafael-acosta-1111342, 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Rafael Acosta has over 20 years of mortgage industry experience and leads Team CTC Group, focused on making mortgages less complicated through transparency, clear communication, and modern technology.

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/rafael-acosta-1111342, verified 2026-10-09.
- role: Leadership of Team CTC Group. Source: https://www.loanfactory.com/mortgage-expert/rafael-acosta-1111342, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO22076 | active | confirmed | 2013-11-01 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/rafael-acosta-1111342, 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/1111342

## Contact

- linkedin_url: https://www.linkedin.com/in/rafael-acosta-b30919288/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rafael-acosta-1111342

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1111342
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/rafael-acosta-1111342

Cite as: Rafael Acosta (NMLS 1111342), Loan Factory. LenDb.ai, https://lendb.ai/lo/rafael-acosta-1111342, last verified 2026-10-09.

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