---
canonical_url: https://lendb.ai/lo/rafael-heredia-1005372
json_url: https://lendb.ai/lo/rafael-heredia-1005372.json
nmls_id: 1005372
last_verified: 2026-10-09
---

# Rafael Heredia

Mortgage Loan Officer at Loan Factory. NMLS ID 1005372 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1005372)).

**Summary:** Rafael Heredia (NMLS 1005372) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO19153). Also lists Massachusetts and New Jersey on the lender page (not yet checked with the state regulator). Licensed since 2013 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2013 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Massachusetts (MA, lender_reported), New Jersey (NJ, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO19153 | active | confirmed | 2013-04-04 | state_regulator | 2026-10-09 |
| MA | 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 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/rafael-heredia-1005372, 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/1005372

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rafael-heredia-1005372

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1005372
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/rafael-heredia-1005372

Cite as: Rafael Heredia (NMLS 1005372), Loan Factory. LenDb.ai, https://lendb.ai/lo/rafael-heredia-1005372, last verified 2026-10-09.

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