---
canonical_url: https://lendb.ai/lo/rafael-andino-1895655
json_url: https://lendb.ai/lo/rafael-andino-1895655.json
nmls_id: 1895655
last_verified: 2026-10-09
---

# Rafael Andino

Mortgage Loan Officer at Loan Factory, FL. NMLS ID 1895655 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1895655)).

**Summary:** Rafael Andino (NMLS 1895655) is Mortgage Loan Officer at Loan Factory, based in Florida. Licensed in Florida, confirmed with the state regulator (license LO132579). Focus areas shown on the lender page: DSCR loan, FHA loan, First-time buyer, Jumbo loan and Non-QM loan. Speaks English and Spanish. Earliest state license record: October 16, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 16, 2024 (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)
- 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

- **DSCR loan** (`dscr`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655
- **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655
- **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655

## About

Rafael Andino is a Florida-based MLO with experience as both a licensed mortgage originator and Realtor, serving first-time homebuyers, move-up buyers, and investors across Florida. Fluent in English and Spanish, he specializes in FHA, conventional, VA, jumbo, DSCR investor, and non-QM loans.

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

## Facts from the lender page and intro

- credential: Licensed Mortgage Loan Originator (NMLS #1895655) and Realtor®. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655, verified 2026-10-09.
- service_area: All of Florida. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO132579 | active | confirmed | 2024-10-16 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), FL. Source: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655, 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/1895655

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1895655
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/rafael-andino-1895655

Cite as: Rafael Andino (NMLS 1895655), Loan Factory. LenDb.ai, https://lendb.ai/lo/rafael-andino-1895655, last verified 2026-10-09.

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