---
canonical_url: https://lendb.ai/lo/rafael-fernandez-643086
json_url: https://lendb.ai/lo/rafael-fernandez-643086.json
nmls_id: 643086
last_verified: 2026-10-09
---

# Rafael Fernandez

Credit Solutions Advisor, Assistant Vice President at Bank of America, Orlando, FL. NMLS ID 643086 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/643086)).

**Summary:** Rafael Fernandez (NMLS 643086) is Credit Solutions Advisor, Assistant Vice President at Bank of America, based in Orlando, FL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Bank of America (NMLS 399802), Orlando, FL. Source: https://mortgage.bankofamerica.com/rafael-e-fernandez, 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/643086

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/rafael-e-fernandez
- Office phone on file: shown at https://lendb.ai/lo/rafael-fernandez-643086#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/643086
- lender_site: https://mortgage.bankofamerica.com/rafael-e-fernandez

Cite as: Rafael Fernandez (NMLS 643086), Bank of America. LenDb.ai, https://lendb.ai/lo/rafael-fernandez-643086, last verified 2026-10-09.

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