David Baca
SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC · Annapolis, MD
NMLS ID 169642 (opens in a new tab) · verify at NMLS Consumer Access
David Baca (NMLS 169642) is SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Annapolis, MD. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists District of Columbia, Delaware, Maryland, Pennsylvania and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Asset-based qualifying, Renovation loan (203k / HomeStyle) and Reverse mortgage. Earliest state license record: October 8, 2018 (Florida), per state regulator. States 40 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: October 8, 2018 (Florida), per state regulator
- 40 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 7 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: Asset-based qualifying(from their lender profile page)
- Focus: Renovation loan (203k / HomeStyle)(from their lender profile page)
- Focus: Reverse mortgage(from their lender profile page)
Where we saw these: grarate.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, District of Columbia, Delaware, Maryland, Pennsylvania, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO56790, first effective 2018-10-08), TX (opens in a new tab), verified 2026-10-15.
Lender-reported: DC, DE, MD, PA, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Annapolis, MD · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
David has 40 years of experience and focuses on reverse mortgages, asset depletion and renovation loans. David serves borrowers in Maryland, DC, Virginia, Delaware and Pennsylvania.
Our summary of the lender page. Verified 2026-10-15.
- Serves
- Annapolis, Baltimore, Severna Park, Washington DC, Virginia, Delaware, Pennsylvania
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- consistent top producer and President's Club member
- Source (opens in a new tab), verified 2026-10-15
- Community
- active member of community Board, current President
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licensed states | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: David Baca (NMLS 169642), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/david-baca-169642, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.