---
canonical_url: https://lendb.ai/lo/alfonso-esposito-106827
json_url: https://lendb.ai/lo/alfonso-esposito-106827.json
nmls_id: 106827
last_verified: 2026-10-15
---

# Al Esposito

Area Sales Manager at Guaranteed Rate Affinity, LLC, Clinton, NJ. NMLS ID 106827 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/106827)).

**Summary:** Al Esposito (NMLS 106827) is Area Sales Manager at Guaranteed Rate Affinity, LLC, based in Clinton, NJ. Licensed in Florida, confirmed with the state regulator (license LO146115). Also lists New Jersey and Pennsylvania on the lender page (not yet checked with the state regulator). Earliest state license record: March 23, 2026 (Florida), per state regulator. States 24 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 23, 2026 (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): 24 (source: https://www.grarate.com/loan-officers/al-esposito-106827, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), Pennsylvania (PA, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

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

- None on file yet.

## About

Al Esposito has over 24 years of experience and has served 3,750+ clients. They work mainly in Middlesex, Monmouth, Somerset, Camden, and Hunterdon counties, and also serve Pennsylvania, Florida, and South Jersey.

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

## Video intro available

Al has a short recorded video intro on Guaranteed Rate Affinity, LLC's site.

Watch on Guaranteed Rate Affinity, LLC's site: https://www.grarate.com/loan-officers/al-esposito-106827

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 24. Source: https://www.grarate.com/loan-officers/al-esposito-106827, verified 2026-10-15.
- service_area: Middlesex, Monmouth, Somerset, Camden, Hunterdon Counties. Source: https://www.grarate.com/loan-officers/al-esposito-106827, verified 2026-10-15.
- service_area: South Jersey. Source: https://www.grarate.com/loan-officers/al-esposito-106827, verified 2026-10-15.
- credential: Top 1% loan officer nationwide. Source: https://www.grarate.com/loan-officers/al-esposito-106827, verified 2026-10-15.
- other: 3,750+ clients served. Source: https://www.grarate.com/loan-officers/al-esposito-106827, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO146115 | active | confirmed | 2026-03-23 | state_regulator | 2026-10-15 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| PA | 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), Clinton, NJ. Source: https://www.grarate.com/loan-officers/al-esposito-106827, 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/106827

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/al-esposito-106827
- Office phone and Email on file: shown at https://lendb.ai/lo/alfonso-esposito-106827#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/106827
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/al-esposito-106827
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Al Esposito (NMLS 106827), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/alfonso-esposito-106827, last verified 2026-10-15.

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