Joseph Cho
Associate Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC · New York, NY
NMLS ID 855740 (opens in a new tab) · verify at NMLS Consumer Access
Joseph Cho (NMLS 855740) is Associate Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in New York, NY. Lists New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Self-employed, Real estate investor and VA loan. States 15 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com) and NMLS Consumer Access (license status, check live).
- 15 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: First-time buyer(from their lender profile page)
- Focus: Self-employed(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
- Focus: VA loan(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
Lender-reported: NY is 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 · New York, NY · 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
Joseph Cho has 15 years of experience and has served more than 2,000 clients across New York City, Queens, Brooklyn, Long Island and Nassau County. They focus on first-time buyers, veterans, self-employed borrowers and investors.
Our summary of the lender page. Verified 2026-10-15.
- Serves
- New York City, Queens, Brooklyn, Long Island, Nassau County
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · grarate.com (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 | lender site · 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 | lender site · 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: Joseph Cho (NMLS 855740), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/joseph-cho-855740, last verified 2026-10-15.
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