Johnita Herndon
VP of Mortgage Lending at Guaranteed Rate Affinity, LLC · Chicago, IL
NMLS ID 921725 (opens in a new tab) · verify at NMLS Consumer Access
Johnita Herndon (NMLS 921725) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Chicago, IL. Licensed in 2 states confirmed with state regulators: Texas and Louisiana. Also lists Georgia, Illinois and Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance and First-time buyer. Earliest state license record: March 5, 2026 (Texas), per state regulator. States 13 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Texas state regulator, Louisiana state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: March 5, 2026 (Texas), per state regulator
- 13 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: Down payment assistance(from their lender profile page)
- Focus: First-time buyer(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
Texas, Georgia, Illinois, Indiana, Louisiana
✓ Confirmed with the state regulator: TX (opens in a new tab), LA (opens in a new tab), verified 2026-10-13.
Lender-reported: GA, IL, IN 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 · Chicago, IL · 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
Has 13 years of experience and specializes in first-time homebuyers and down payment assistance in Illinois, Texas, Georgia and Indiana.
Our summary of the lender page. Verified 2026-10-15.
- Also
- Has helped over 300 clients secure financing for homes
- 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 · ofi.la.gov (opens in a new tab) | verified 2026-10-15 |
| 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: Johnita Herndon (NMLS 921725), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/johnita-herndon-921725, last verified 2026-10-15.
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