--- canonical_url: https://lendb.ai/lo/rafael-rojas-2082989 json_url: https://lendb.ai/lo/rafael-rojas-2082989.json nmls_id: 2082989 last_verified: 2026-10-15 --- # Rafael Rojas Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 2082989 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2082989)). Based in Uniondale, New York, Rafael Rojas (NMLS 2082989) is a Loan Officer at Cliffco, Inc., licensed in Texas since 2021 and in Florida, New York, Colorado and 2 more states. Rafael works at an FHA-approved lender, per HUD. **Summary:** Rafael Rojas (NMLS 2082989) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in 6 states confirmed with state regulators: Florida, Texas, New York, Colorado, Connecticut and Pennsylvania. Also lists New Jersey and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: December 30, 2021 (Texas), per state regulator. States 19 years of experience. Last verified 2026-10-15. ## Quick answers ### Is Rafael licensed in New York? Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 7 other states on file for Rafael. Source: https://www.dfs.ny.gov/. ### What lender does Rafael work for, and is it FHA-approved? Cliffco, Inc., company NMLS 65328, from the Uniondale, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://cliffcomortgage.com/rrojas/. ### How long has Rafael been licensed? The earliest state license record LenDb holds for Rafael is from December 30, 2021 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Rafael states 19 years of experience. Source: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: December 30, 2021 (Texas), 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): 19 (source: https://cliffcomortgage.com/rrojas/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Rafael D. Rojas (CO, CT, FL, NY, PA, TX, as of 2026-10-13) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), New York (NY, confirmed), Colorado (CO, confirmed), Connecticut (CT, confirmed), New Jersey (NJ, lender_reported), Pennsylvania (PA, confirmed), Tennessee (TN, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - years_experience: 19. Source: https://cliffcomortgage.com/rrojas/, verified 2026-10-15. - role: Mortgage Loan Originator. Source: https://cliffcomortgage.com/rrojas/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO149923 | active | confirmed | 2026-07-30 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-12-30 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-14 | | CO | Colorado regulator | state_license | 100545989 | active | confirmed | 2026-07-10 | state_regulator | 2026-10-16 | | CT | Connecticut regulator | state_license | LO-2082989 | active | confirmed | | state_regulator | 2026-10-15 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | PA | Pennsylvania regulator | state_license | 94866 | active | confirmed | | state_regulator | 2026-10-16 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/rrojas/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2082989 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/rrojas/ - Office phone and Email on file: shown at https://lendb.ai/lo/rafael-rojas-2082989#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2082989 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=357402&contact=592672 - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - lender_site: https://cliffcomortgage.com/rrojas/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Rafael Rojas (NMLS 2082989), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/rafael-rojas-2082989, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._