---
canonical_url: https://lendb.ai/lo/alex-cruz-589200
json_url: https://lendb.ai/lo/alex-cruz-589200.json
nmls_id: 589200
last_verified: 2026-10-15
---

# Alex Cruz

Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, Paramus, NJ. NMLS ID 589200 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/589200)).

**Summary:** Alex Cruz (NMLS 589200) is Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Paramus, NJ. Licensed in Florida, confirmed with the state regulator (license LO127172). Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, Bank statement loan and Self-employed. Speaks Spanish. Earliest state license record: March 26, 2024 (Florida), per state regulator. States 26 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 26, 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): 26 (source: https://www.grarate.com/loan-officers/alex-cruz-589200, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **1099 income** (`1099-income`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/alex-cruz-589200
- **Bank statement loan** (`bank-statement`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/alex-cruz-589200
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.64, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/alex-cruz-589200

## About

Alex Cruz focuses on first-time buyers, 1099 self-employed and bank statement borrowers across Rahway, Woodbridge, Linden and Clifton Wayne, with 26 years in the industry. Bilingual in Spanish.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.grarate.com/loan-officers/alex-cruz-589200, verified 2026-10-15.
- other: Helped over 500 clients secure financing for homes. Source: https://www.grarate.com/loan-officers/alex-cruz-589200, verified 2026-10-15.
- service_area: Rahway, Woodbridge, Linden, Clifton Wayne. Source: https://www.grarate.com/loan-officers/alex-cruz-589200, verified 2026-10-15.
- service_area: New Jersey. Source: https://www.grarate.com/loan-officers/alex-cruz-589200, verified 2026-10-15.
- community: CERT member. Source: https://www.grarate.com/loan-officers/alex-cruz-589200, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO127172 | active | confirmed | 2024-03-26 | state_regulator | 2026-10-15 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Paramus, NJ. Source: https://www.grarate.com/loan-officers/alex-cruz-589200, 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/589200

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/alex-cruz-589200
- Office phone and Email on file: shown at https://lendb.ai/lo/alex-cruz-589200#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/589200
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/alex-cruz-589200
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Alex Cruz (NMLS 589200), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/alex-cruz-589200, last verified 2026-10-15.

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