{
  "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
  "summary": "Guaranteed Rate Affinity, LLC (company NMLS 1598647) is an independent mortgage lender. LenDb lists 391 of its loan officers, with branches in 31 states, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 1598647,
    "slug": "guaranteed-rate-affinity-llc-1598647",
    "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647",
    "name": {
      "value": "Guaranteed Rate Affinity, LLC",
      "source": "state_regulator",
      "source_url": "https://www.grarate.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://www.grarate.com",
      "source": "state_regulator",
      "source_url": "https://www.grarate.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://www.grarate.com/sitemap-lo-page.xml",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.grarate.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 15557,
          "by_loan_type": {
            "conventional": 12751,
            "fha": 1609,
            "va": 1171,
            "usda": 26
          },
          "purchase": 13499,
          "refinance": 2058,
          "other_purpose": 0,
          "jumbo": 815,
          "investor": 994,
          "volume_usd": 6924675000
        },
        {
          "year": 2024,
          "loans": 14204,
          "by_loan_type": {
            "conventional": 11507,
            "fha": 1460,
            "va": 1213,
            "usda": 24
          },
          "purchase": 13202,
          "refinance": 1002,
          "other_purpose": 0,
          "jumbo": 601,
          "investor": 686,
          "volume_usd": 5788890000
        }
      ],
      "top_states": [
        {
          "state": "CA",
          "loans": 1459
        },
        {
          "state": "FL",
          "loans": 1384
        },
        {
          "state": "PA",
          "loans": 1317
        },
        {
          "state": "NJ",
          "loans": 1075
        },
        {
          "state": "TX",
          "loans": 965
        }
      ],
      "note": "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_officer_count": 391,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 2072243,
      "slug": "anthony-jasperson-2072243",
      "full_name": "Anthony Jasperson",
      "title": "VP of Mortgage Lending",
      "branch_city": "Scottsdale",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/anthony-jasperson-2072243"
    },
    {
      "nmls_id": 203670,
      "slug": "brett-aschoff-203670",
      "full_name": "Brett Aschoff",
      "title": "VP of Mortgage Lending",
      "branch_city": "Scottsdale",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/brett-aschoff-203670"
    },
    {
      "nmls_id": 261653,
      "slug": "christine-wenger-261653",
      "full_name": "Christine Wenger",
      "title": "Originating Manager",
      "branch_city": "Mesa",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/christine-wenger-261653"
    },
    {
      "nmls_id": 171304,
      "slug": "heather-hutchison-171304",
      "full_name": "Heather Hutchison",
      "title": "SVP of Mortgage Lending",
      "branch_city": "Oro Valley",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/heather-hutchison-171304"
    },
    {
      "nmls_id": 1464456,
      "slug": "laura-mata-fondevila-1464456",
      "full_name": "Laura Mata-Fondevila",
      "title": "VP of Mortgage Lending",
      "branch_city": "Lake Havasu City",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/laura-mata-fondevila-1464456"
    },
    {
      "nmls_id": 162374,
      "slug": "lynn-gallett-162374",
      "full_name": "Lynn Gallett",
      "title": "VP of Mortgage Lending",
      "branch_city": "Phoenix",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/lynn-gallett-162374"
    },
    {
      "nmls_id": 223928,
      "slug": "mike-johns-223928",
      "full_name": "Mike Johns",
      "title": "VP of Mortgage Lending",
      "branch_city": "Sedona",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/mike-johns-223928"
    },
    {
      "nmls_id": 1238876,
      "slug": "monica-richmond-1238876",
      "full_name": "Monica Richmond",
      "title": "GRA Loan Officer",
      "branch_city": "Scottsdale",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/monica-richmond-1238876"
    },
    {
      "nmls_id": 36862,
      "slug": "nikolai-castillo-36862",
      "full_name": "Nick Castillo",
      "title": "Regional Manager",
      "branch_city": "Mesa",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/nikolai-castillo-36862"
    },
    {
      "nmls_id": 1896343,
      "slug": "seana-saladrigas-1896343",
      "full_name": "Seana Saladrigas",
      "title": "GRA Loan Officer",
      "branch_city": "Mesa",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/seana-saladrigas-1896343"
    },
    {
      "nmls_id": 182665,
      "slug": "shawna-walker-182665",
      "full_name": "Shawna Walker",
      "title": "VP of Mortgage Lending",
      "branch_city": "Goodyear",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/shawna-walker-182665"
    },
    {
      "nmls_id": 653814,
      "slug": "steve-oesterle-653814",
      "full_name": "Steve Oesterle",
      "title": "VP of Mortgage Lending",
      "branch_city": "Green Valley",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/steve-oesterle-653814"
    },
    {
      "nmls_id": 1118471,
      "slug": "alison-andrus-1118471",
      "full_name": "Alison Andrus",
      "title": "VP of Mortgage Lending",
      "branch_city": "Gilroy",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/alison-andrus-1118471"
    },
    {
      "nmls_id": 285829,
      "slug": "brett-korf-285829",
      "full_name": "Brett Korf",
      "title": "VP of Mortgage Lending",
      "branch_city": "Carlsbad",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/brett-korf-285829"
    },
    {
      "nmls_id": 488336,
      "slug": "brian-beam-488336",
      "full_name": "Brian Beam",
      "title": "Area Sales Manager",
      "branch_city": "Capistrano Beach",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/brian-beam-488336"
    },
    {
      "nmls_id": 267122,
      "slug": "bruce-nangle-267122",
      "full_name": "Bruce Nangle",
      "title": "VP of Mortgage Lending",
      "branch_city": "Calabasas",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/bruce-nangle-267122"
    },
    {
      "nmls_id": 395158,
      "slug": "bryan-zada-395158",
      "full_name": "Bryan Zada",
      "title": "VP of Mortgage Lending",
      "branch_city": "Long Beach",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/bryan-zada-395158"
    },
    {
      "nmls_id": 1021838,
      "slug": "cheryl-boldig-1021838",
      "full_name": "Cheryl Boldig",
      "title": "VP of Mortgage Lending",
      "branch_city": "El Dorado Hills",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/cheryl-boldig-1021838"
    },
    {
      "nmls_id": 260411,
      "slug": "cheryl-zenski-260411",
      "full_name": "Cheryl Zenski",
      "title": "VP of Mortgage Lending",
      "branch_city": "Temecula",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/cheryl-zenski-260411"
    },
    {
      "nmls_id": 250467,
      "slug": "chiu-kui-250467",
      "full_name": "Chiu Kui",
      "title": "VP of Mortgage Lending",
      "branch_city": "Oakland",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/chiu-kui-250467"
    },
    {
      "nmls_id": 266400,
      "slug": "chris-lippi-266400",
      "full_name": "Chris Lippi",
      "title": "Area Sales Manager",
      "branch_city": "Sacramento",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/chris-lippi-266400"
    },
    {
      "nmls_id": 240190,
      "slug": "cindy-kramer-240190",
      "full_name": "Cindy Kramer",
      "title": "VP of Mortgage Lending",
      "branch_city": "Newport Beach",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/cindy-kramer-240190"
    },
    {
      "nmls_id": 2765907,
      "slug": "cinthia-raymond-2765907",
      "full_name": "Cinthia Raymond",
      "title": "Associate VP of Mortgage Lending",
      "branch_city": "Fremont",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/cinthia-raymond-2765907"
    },
    {
      "nmls_id": 455514,
      "slug": "diana-gunderson-455514",
      "full_name": "Diana Gunderson",
      "title": "VP of Mortgage Lending",
      "branch_city": "Palos Verdes Estates",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/diana-gunderson-455514"
    },
    {
      "nmls_id": 280212,
      "slug": "dimitri-timm-280212",
      "full_name": "Dimitri Timm",
      "title": "VP of Mortgage Lending",
      "branch_city": "Aptos",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/dimitri-timm-280212"
    },
    {
      "nmls_id": 632979,
      "slug": "edward-woolery-632979",
      "full_name": "Ed Woolery",
      "title": "VP of Mortgage Lending",
      "branch_city": "La Jolla",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/edward-woolery-632979"
    },
    {
      "nmls_id": 284916,
      "slug": "eric-bleth-284916",
      "full_name": "Eric Bleth",
      "title": "Area Sales Manager",
      "branch_city": "San Rafael",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/eric-bleth-284916"
    },
    {
      "nmls_id": 482592,
      "slug": "fe-david-482592",
      "full_name": "Fe David",
      "title": "VP of Mortgage Lending",
      "branch_city": "Burlingame",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/fe-david-482592"
    },
    {
      "nmls_id": 344084,
      "slug": "george-mcfaden-344084",
      "full_name": "George Mcfaden",
      "title": "SVP of Mortgage Lending",
      "branch_city": "San Francisco",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/george-mcfaden-344084"
    },
    {
      "nmls_id": 291780,
      "slug": "gina-rainey-291780",
      "full_name": "Gina Rainey",
      "title": "VP of Mortgage Lending",
      "branch_city": "Greenbrae",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/gina-rainey-291780"
    },
    {
      "nmls_id": 239978,
      "slug": "glenn-daly-239978",
      "full_name": "Glenn Daly",
      "title": "VP of Mortgage Lending",
      "branch_city": "Yorba Linda",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/glenn-daly-239978"
    },
    {
      "nmls_id": 2799640,
      "slug": "jhansi-bobba-2799640",
      "full_name": "Jhansi Bobba",
      "title": "VP of Mortgage Lending",
      "branch_city": "Fremont",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jhansi-bobba-2799640"
    },
    {
      "nmls_id": 2061997,
      "slug": "jill-davis-2061997",
      "full_name": "Jill Davis",
      "title": "VP of Mortgage Lending",
      "branch_city": "Sacramento",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jill-davis-2061997"
    },
    {
      "nmls_id": 277030,
      "slug": "martha-myers-277030",
      "full_name": "Julie Myers",
      "title": "VP of Mortgage Lending",
      "branch_city": "Encinitas",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/martha-myers-277030"
    },
    {
      "nmls_id": 483738,
      "slug": "julie-rojas-483738",
      "full_name": "Julie Rojas",
      "title": "VP of Mortgage Lending",
      "branch_city": "Studio City",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/julie-rojas-483738"
    },
    {
      "nmls_id": 926641,
      "slug": "kamna-mittal-926641",
      "full_name": "Kamna Mittal",
      "title": "SVP of Mortgage Lending",
      "branch_city": "Fremont",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kamna-mittal-926641"
    },
    {
      "nmls_id": 274439,
      "slug": "karen-dunn-274439",
      "full_name": "Karen Dunn",
      "title": "VP of Mortgage Lending",
      "branch_city": "Elk Grove",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/karen-dunn-274439"
    },
    {
      "nmls_id": 291318,
      "slug": "kenneth-lee-291318",
      "full_name": "Kenneth Lee",
      "title": "SVP of Mortgage Lending",
      "branch_city": "Fremont",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kenneth-lee-291318"
    },
    {
      "nmls_id": 173928,
      "slug": "kenyon-cantino-173928",
      "full_name": "Kenyon Cantino",
      "title": "VP of Mortgage Lending",
      "branch_city": "Newport Beach",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kenyon-cantino-173928"
    },
    {
      "nmls_id": 281902,
      "slug": "lacey-sullivan-281902",
      "full_name": "Lacey Sullivan",
      "title": "Regional Manager",
      "branch_city": "Morgan Hill",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/lacey-sullivan-281902"
    },
    {
      "nmls_id": 299461,
      "slug": "laura-lockerbie-299461",
      "full_name": "Laura Lockerbie",
      "title": "VP of Mortgage Lending",
      "branch_city": "Novato",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/laura-lockerbie-299461"
    },
    {
      "nmls_id": 290781,
      "slug": "lisa-giacomini-290781",
      "full_name": "Lisa Giacomini",
      "title": "VP of Mortgage Lending",
      "branch_city": "Carlsbad",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/lisa-giacomini-290781"
    },
    {
      "nmls_id": 19207,
      "slug": "liz-olvera-19207",
      "full_name": "Liz Olvera",
      "title": "VP of Mortgage Lending",
      "branch_city": "Pasadena",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/liz-olvera-19207"
    },
    {
      "nmls_id": 1513595,
      "slug": "lorena-eloisa-1513595",
      "full_name": "Lorena Eloisa",
      "title": "Associate VP of Mortgage Lending",
      "branch_city": "Fremont",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/lorena-eloisa-1513595"
    },
    {
      "nmls_id": 260848,
      "slug": "lucia-solis-260848",
      "full_name": "Lucia Maya-Solis",
      "title": "VP of Mortgage Lending",
      "branch_city": "Laguna Niguel",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/lucia-solis-260848"
    },
    {
      "nmls_id": 447696,
      "slug": "mark-harrison-447696",
      "full_name": "Mark Harrison",
      "title": "Area Sales Manager",
      "branch_city": "Burlingame",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/mark-harrison-447696"
    },
    {
      "nmls_id": 380797,
      "slug": "matthew-falconer-380797",
      "full_name": "Matthew Falconer",
      "title": "Branch Manager",
      "branch_city": "Capitola",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/matthew-falconer-380797"
    },
    {
      "nmls_id": 264026,
      "slug": "melissa-howell-264026",
      "full_name": "Melissa Howell",
      "title": "VP of Mortgage Lending",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/melissa-howell-264026"
    },
    {
      "nmls_id": 264030,
      "slug": "michelle-morris-264030",
      "full_name": "Michelle Morris",
      "title": "SVP of Mortgage Lending",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/michelle-morris-264030"
    },
    {
      "nmls_id": 1380693,
      "slug": "mina-yasuda-1380693",
      "full_name": "Mina Yasuda",
      "title": "VP of Mortgage Lending",
      "branch_city": "Newport Beach",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/mina-yasuda-1380693"
    },
    {
      "nmls_id": 361859,
      "slug": "natalia-benshaw-brard-361859",
      "full_name": "Natalia Benshaw-Brard",
      "title": "VP of Mortgage Lending",
      "branch_city": "Calabasas",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/natalia-benshaw-brard-361859"
    },
    {
      "nmls_id": 240063,
      "slug": "nilu-askari-240063",
      "full_name": "Nilu Askari",
      "title": "SVP of Mortgage Lending",
      "branch_city": "Beverly Hills",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/nilu-askari-240063"
    },
    {
      "nmls_id": 289763,
      "slug": "raquel-munoz-rivera-289763",
      "full_name": "Raquel Munoz-Rivera",
      "title": "VP of Mortgage Lending",
      "branch_city": "Riverside",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/raquel-munoz-rivera-289763"
    },
    {
      "nmls_id": 242966,
      "slug": "rob-coury-242966",
      "full_name": "Rob Coury",
      "title": "VP of Mortgage Lending",
      "branch_city": "Encinitas",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/rob-coury-242966"
    },
    {
      "nmls_id": 248108,
      "slug": "ryan-gray-248108",
      "full_name": "Ryan Gray",
      "title": "VP of Mortgage Lending",
      "branch_city": "Palm Desert",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/ryan-gray-248108"
    },
    {
      "nmls_id": 1598145,
      "slug": "sabina-adamski-1598145",
      "full_name": "Sabina Adamski",
      "title": "VP of Mortgage Lending",
      "branch_city": "Laguna Niguel",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/sabina-adamski-1598145"
    },
    {
      "nmls_id": 2010697,
      "slug": "salvatore-d-elia-2010697",
      "full_name": "Salvatore D'Elia",
      "title": "VP of Mortgage Lending",
      "branch_city": "Carlsbad",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/salvatore-d-elia-2010697"
    },
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