--- canonical_url: https://lendb.ai/lo/david-baca-169642 json_url: https://lendb.ai/lo/david-baca-169642.json nmls_id: 169642 last_verified: 2026-10-15 --- # David Baca SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Annapolis, MD. NMLS ID 169642 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/169642)). **Summary:** 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 2026-10-15. ## At a glance - Earliest state license record: October 8, 2018 (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): 40 (source: https://www.grarate.com/loan-officers/david-baca-169642, verified 2026-10-15) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, 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) - **Asset-based qualifying** (`asset-based`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-baca-169642 - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-baca-169642 - **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-baca-169642 ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 40. Source: https://www.grarate.com/loan-officers/david-baca-169642, verified 2026-10-15. - service_area: Annapolis, Baltimore, Severna Park, Washington DC, Virginia, Delaware, Pennsylvania. Source: https://www.grarate.com/loan-officers/david-baca-169642, verified 2026-10-15. - credential: consistent top producer and President's Club member. Source: https://www.grarate.com/loan-officers/david-baca-169642, verified 2026-10-15. - community: active member of community Board, current President. Source: https://www.grarate.com/loan-officers/david-baca-169642, verified 2026-10-15. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO56790 | active | confirmed | 2018-10-08 | state_regulator | 2026-10-15 | | TX | state_license | n/a | active | confirmed | 2018-10-19 | state_regulator | 2026-10-13 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MD | 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 | | VA | 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), Annapolis, MD. Source: https://www.grarate.com/loan-officers/david-baca-169642, 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/169642 ## Contact - View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/david-baca-169642 - Office phone and Email on file: shown at https://lendb.ai/lo/david-baca-169642#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/169642 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - lender_site: https://www.grarate.com/loan-officers/david-baca-169642 - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: David Baca (NMLS 169642), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/david-baca-169642, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._