Independent mortgage bank

Guaranteed Rate Affinity, LLC

Company NMLS ID 1598647 (opens in a new tab) · grarate.com (opens in a new tab)

Guaranteed Rate Affinity, LLC (company NMLS 1598647) is an independent mortgage lender. LenDb lists 392 of its loan officers, with branches in 31 states, each with an individual NMLS ID, licensed states and sources.

Last verified . Sources: Guaranteed Rate Affinity, LLC's own loan officer directory and NMLS Consumer Access.

Lending activity (HMDA)

Funded 15,557 home loans in 2025 (HMDA), 12,751 conventional

Most loans in California (1,459), Florida (1,384), Pennsylvania (1,317).

Source: HMDA, FFIEC/CFPB, 2025 (opens in a new tab). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.

Loan officers

Arizona 13

California 50

Colorado 18

Connecticut 10

Delaware 1

Florida 34

Georgia 15

Hawaii 1

Illinois 37

Kentucky 1

  • JJ Vickroy · Fort Mitchell · VP of Mortgage Lending

Massachusetts 20

Maryland 6

  • Bob Kemp · Bel Air · VP of Mortgage Lending
  • Dan Moore · Annapolis · Associate VP of Mortgage Lending
  • David Baca · Annapolis · SVP of Mortgage Lending
  • Jeff Lobel · Annapolis · VP of Mortgage Lending
  • Mike Fagan · Ellicott City · SVP of Mortgage Lending
  • Tom Barclay · Ellicott City · VP of Mortgage Lending

Maine 1

  • Josh Rakiey · Saco · Vice President, Mortgage Lending

Michigan 1

Minnesota 13

Missouri 14

North Carolina 5

New Hampshire 2

New Jersey 35

Nevada 2

New York 18

Ohio 15

Oregon 2

Pennsylvania 21

Rhode Island 6

South Carolina 9

Texas 12

Utah 5

Virginia 2

Washington 5

Wisconsin 3

Branch not listed 15

Source: state regulator (loan officer directory (opens in a new tab)), verified 2026-10-13. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.