---
canonical_url: https://lendb.ai/lo/jonathan-kosow-41110
json_url: https://lendb.ai/lo/jonathan-kosow-41110.json
nmls_id: 41110
last_verified: 2026-10-15
---

# Jonathan Kosow

Area Sales Manager at Guaranteed Rate Affinity, LLC, New York, NY. NMLS ID 41110 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/41110)).

**Summary:** Jonathan Kosow (NMLS 41110) is Area Sales Manager at Guaranteed Rate Affinity, LLC, based in New York, NY. Licensed in Connecticut, confirmed with the state regulator (license LO-41110). Earliest state license record: June 15, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 15, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Connecticut (CT, 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)

- None on file yet.

## About

Jonathan Kosow is an Area Sales Manager with over three decades in mortgage lending, sales strategy and business development. They build their book through past-client referrals and advise buyers to plan around today's rate.

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

## Facts from the lender page and intro

- years_experience: over three decades. Source: https://www.grarate.com/loan-officers/jonathan-kosow-41110, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO120825 | expired | confirmed | 2023-06-15 | state_regulator | 2026-10-15 |
| CT | state_license | LO-41110 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), New York, NY. Source: https://www.grarate.com/loan-officers/jonathan-kosow-41110, 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/41110

## Contact

- linkedin_url: https://www.linkedin.com/in/jonathan-kosow-3490474/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/jonathan-kosow-41110
- Office phone and Email on file: shown at https://lendb.ai/lo/jonathan-kosow-41110#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/41110
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- lender_site: https://www.grarate.com/loan-officers/jonathan-kosow-41110
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Jonathan Kosow (NMLS 41110), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/jonathan-kosow-41110, last verified 2026-10-15.

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