---
canonical_url: https://lendb.ai/lo/johnita-herndon-921725
json_url: https://lendb.ai/lo/johnita-herndon-921725.json
nmls_id: 921725
last_verified: 2026-10-15
---

# Johnita Herndon

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Chicago, IL. NMLS ID 921725 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/921725)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: March 5, 2026 (Texas), 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): 13 (source: https://www.grarate.com/loan-officers/johnita-herndon-921725, verified 2026-10-15)
- Licensed in: Texas (TX, confirmed), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Louisiana (LA, confirmed)
- 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)

- **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/johnita-herndon-921725
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/johnita-herndon-921725

## About

Has 13 years of experience and specializes in first-time homebuyers and down payment assistance in Illinois, Texas, Georgia and Indiana.

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

## Facts from the lender page and intro

- years_experience: 13. Source: https://www.grarate.com/loan-officers/johnita-herndon-921725, verified 2026-10-15.
- service_area: Illinois, Texas, Georgia, and Indiana. Source: https://www.grarate.com/loan-officers/johnita-herndon-921725, verified 2026-10-15.
- other: Has helped over 300 clients secure financing for homes. Source: https://www.grarate.com/loan-officers/johnita-herndon-921725, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | active | confirmed | 2026-03-05 | state_regulator | 2026-10-13 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| LA | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Chicago, IL. Source: https://www.grarate.com/loan-officers/johnita-herndon-921725, 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/921725

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/johnita-herndon-921725
- Office phone and Email on file: shown at https://lendb.ai/lo/johnita-herndon-921725#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/921725
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://www.grarate.com/loan-officers/johnita-herndon-921725
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Johnita Herndon (NMLS 921725), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/johnita-herndon-921725, last verified 2026-10-15.

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