Rifat Ziadeh (NMLS 349491) is a mortgage loan officer at Lumin Lending Inc., licensed in Texas since 2010 and in Florida, California, Colorado and 4 more states.
Last verified . Sources: Lumin Lending Inc. (sml.texas.gov), Florida state regulator, Texas state regulator, New York state regulator, California state regulator, Connecticut state regulator, Colorado state regulator, Oregon state regulator, Wisconsin state regulator, Massachusetts state regulator, Maryland state regulator, Illinois state regulator, Nevada state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: September 10, 2010 (Texas), per state regulator
- 8 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Rifat licensed in Florida?
- Yes. Florida regulator records list license LO9240 as active, first effective August 17, 2011 (verified 2026-10-15). LenDb has 7 other states on file for Rifat.
- Source: Florida state regulator (opens in a new tab)
- What lender does Rifat work for?
- Lumin Lending Inc., company NMLS 2716106, per the lender's own site (verified 2026-10-13).
- Source: lender site (opens in a new tab)
- How long has Rifat been licensed?
- The earliest state license record LenDb holds for Rifat is from September 10, 2010 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Texas state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, California, Colorado, Oregon, Massachusetts, Maryland, Illinois
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO9240, first effective 2011-08-17), TX (opens in a new tab), CA DRE (opens in a new tab) (01834846), CO (opens in a new tab) (100038011, first effective 2012-01-11), OR (opens in a new tab), MA (opens in a new tab) (MLO349491), MD (opens in a new tab), IL (opens in a new tab) (31.0040382, first effective 2015-06-23), verified 2026-10-15.
Regulator records not active: NY (expired), CT (inactive), WI (inactive), CA DFPI (inactive), NV (inactive).
Contact
No public business contact on file.
We never see who you contact.
Employment history
Lumin Lending Inc. NMLS 2716106
Current · seen on lender site 2026-10-13
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licenses (regulator) | state regulator · mld.nv.gov (opens in a new tab) | verified 2026-10-31 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Rifat Ziadeh (NMLS 349491), Lumin Lending Inc.. LenDb.ai, https://lendb.ai/lo/rifat-ziadeh-349491, last verified 2026-10-28.
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