---
canonical_url: https://lendb.ai/lo/riyad-rayshouny-2108448
json_url: https://lendb.ai/lo/riyad-rayshouny-2108448.json
nmls_id: 2108448
last_verified: 2026-10-15
---

# Ray Rayshouny

Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2108448 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108448)).

Ray Rayshouny (NMLS 2108448) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC.

**Summary:** Ray Rayshouny (NMLS 2108448) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Earliest state license record: March 25, 2021 (Iowa), per state regulator. States 3 years of experience. Last verified 2026-10-15.

## Quick answers

### What lender does Ray work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/ray-rayshouny/.

### How long has Ray been licensed?

The earliest state license record LenDb holds for Ray is from March 25, 2021 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Ray states 3 years of experience. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: March 25, 2021 (Iowa), 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): 3 (source: https://independencehl.com/ray-rayshouny/, verified 2026-10-15)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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: 3. Source: https://independencehl.com/ray-rayshouny/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO88192 | expired | confirmed | 2021-05-21 | state_regulator | 2026-10-15 |
| IA | Iowa regulator | state_license | 44063 | expired | confirmed | 2021-03-25 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/ray-rayshouny/, 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/2108448

## Contact

- View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/ray-rayshouny/
- Office phone and Email on file: shown at https://lendb.ai/lo/riyad-rayshouny-2108448#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2108448
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://idob.iowa.gov/
- lender_site: https://independencehl.com/ray-rayshouny/

Cite as: Ray Rayshouny (NMLS 2108448), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/riyad-rayshouny-2108448, last verified 2026-10-15.

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