---
canonical_url: https://lendb.ai/lo/antony-gemmell-1174856
json_url: https://lendb.ai/lo/antony-gemmell-1174856.json
nmls_id: 1174856
last_verified: 2026-10-15
---

# Tony Gemmell

Originating Manager at Guaranteed Rate Affinity, LLC, Ft. Lauderdale, FL. NMLS ID 1174856 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1174856)).

**Summary:** Tony Gemmell (NMLS 1174856) is Originating Manager at Guaranteed Rate Affinity, LLC, based in Ft. Lauderdale, FL. Licensed in Florida, confirmed with the state regulator (license LO25139). Earliest state license record: June 3, 2014 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 3, 2014 (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): 20 (source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed)
- 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

Tony Gemmell has over 20 years of business, sales leadership and management experience in banking and finance across the US, Dubai and South Africa. Tony was ranked a Top 1% Mortgage Originator by Mortgage Executive Magazine in several years.

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

## Video intro available

Tony 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/tony-gemmell-1174856

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: 20. Source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, verified 2026-10-15.
- other: Prior career in global banking and finance in the United States, Dubai and South Africa. Source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, verified 2026-10-15.
- credential: Top 1% Mortgage Originator in America, Mortgage Executive Magazine, 2020, 2021, 2023, 2024. Source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, verified 2026-10-15.
- credential: President's Club status, 2020-2025. Source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, verified 2026-10-15.
- credential: 2021 Loan Officer of the Year, South Florida Agents Choice Awards. Source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO25139 | active | confirmed | 2014-06-03 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Ft. Lauderdale, FL. Source: https://www.grarate.com/loan-officers/tony-gemmell-1174856, 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/1174856

## Contact

- linkedin_url: https://www.linkedin.com/in/tonygemmell/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/tony-gemmell-1174856
- Office phone and Email on file: shown at https://lendb.ai/lo/antony-gemmell-1174856#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1174856
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/tony-gemmell-1174856
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tony Gemmell (NMLS 1174856), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/antony-gemmell-1174856, last verified 2026-10-15.

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