---
canonical_url: https://lendb.ai/lo/dulce-serpa-21010
json_url: https://lendb.ai/lo/dulce-serpa-21010.json
nmls_id: 21010
last_verified: 2026-10-15
---

# Dulce Serpa

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Cranston, RI. NMLS ID 21010 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/21010)).

**Summary:** Dulce Serpa (NMLS 21010) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Cranston, RI. Lists Rhode Island on the lender page (not yet checked with the state regulator). Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Rhode Island (RI, 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

Has been helping homebuyers in Rhode Island since 2002, based in Cranston. Has helped clients across the state finance homes of all price points and property types.

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

## Facts from the lender page and intro

- years_experience: since 2002. Source: https://www.grarate.com/loan-officers/dulce-serpa-21010, verified 2026-10-15.
- service_area: Rhode Island. Source: https://www.grarate.com/loan-officers/dulce-serpa-21010, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| RI | 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), Cranston, RI. Source: https://www.grarate.com/loan-officers/dulce-serpa-21010, 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/21010

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/dulce-serpa-21010
- Office phone and Email on file: shown at https://lendb.ai/lo/dulce-serpa-21010#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/21010
- lender_site: https://www.grarate.com/loan-officers/dulce-serpa-21010
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Dulce Serpa (NMLS 21010), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/dulce-serpa-21010, last verified 2026-10-15.

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