---
canonical_url: https://lendb.ai/lo/zachary-rathjen-1885995
json_url: https://lendb.ai/lo/zachary-rathjen-1885995.json
nmls_id: 1885995
last_verified: 2026-10-09
---

# Zachary Rathjen

Mortgage Banker at Total Mortgage Services, Naples, FL. NMLS ID 1885995 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1885995)).

**Summary:** Zachary Rathjen (NMLS 1885995) is Mortgage Banker at Total Mortgage Services, based in Naples, FL. Licensed in Florida, confirmed with the state regulator (license LO127790). Earliest state license record: April 15, 2024 (Florida), per state regulator. States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 15, 2024 (Florida), 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): 10 (source: https://www.totalmortgage.com/bankers/zachary-rathjen, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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


## About

Zachary serves as Branch Manager of the Brevard Branch with over ten years of mortgage industry experience. He resides in Satellite Beach, Florida and is actively involved in community coaching and volunteering.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.totalmortgage.com/bankers/zachary-rathjen, verified 2026-10-09.
- role: Branch Manager of Brevard Branch. Source: https://www.totalmortgage.com/bankers/zachary-rathjen, verified 2026-10-09.
- education: Graduate of Eastern Florida State College. Source: https://www.totalmortgage.com/bankers/zachary-rathjen, verified 2026-10-09.
- community: Elected Treasurer of Surfside Elementary; volunteers with Keep Brevard Blue and Police Athletic League; coaches local youth sports. Source: https://www.totalmortgage.com/bankers/zachary-rathjen, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO127790 | active | confirmed | 2024-04-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Naples, FL. Source: https://www.totalmortgage.com/bankers/zachary-rathjen, 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/1885995

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/zachary-rathjen
- Email on file: shown at https://lendb.ai/lo/zachary-rathjen-1885995#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1885995
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/zachary-rathjen

Cite as: Zachary Rathjen (NMLS 1885995), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/zachary-rathjen-1885995, last verified 2026-10-09.

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