---
canonical_url: https://lendb.ai/lo/gina-rainey-291780
json_url: https://lendb.ai/lo/gina-rainey-291780.json
nmls_id: 291780
last_verified: 2026-10-15
---

# Gina Rainey

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Greenbrae, CA. NMLS ID 291780 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/291780)).

**Summary:** Gina Rainey (NMLS 291780) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Greenbrae, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan and Non-QM loan. States 26 years of experience. 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.
- Years experience (stated by the LO): 26 (source: https://www.grarate.com/loan-officers/gina-rainey-291780, verified 2026-10-15)
- Licensed in: California (CA, 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/gina-rainey-291780
- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/gina-rainey-291780

## About

Gina has 26 years of mortgage experience and focuses on Jumbo, Non-QM, and Conventional loans. Gina serves clients in Marin, San Francisco, Sonoma, Contra Costa, and Alameda counties.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.grarate.com/loan-officers/gina-rainey-291780, verified 2026-10-15.
- service_area: Marin, San Francisco, Sonoma, Contra Costa, and Alameda counties. Source: https://www.grarate.com/loan-officers/gina-rainey-291780, verified 2026-10-15.
- other: over 3,500 clients helped throughout Northern California. Source: https://www.grarate.com/loan-officers/gina-rainey-291780, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | 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), Greenbrae, CA. Source: https://www.grarate.com/loan-officers/gina-rainey-291780, 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/291780

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/gina-rainey-291780
- Office phone and Email on file: shown at https://lendb.ai/lo/gina-rainey-291780#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/291780
- lender_site: https://www.grarate.com/loan-officers/gina-rainey-291780
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Gina Rainey (NMLS 291780), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/gina-rainey-291780, last verified 2026-10-15.

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