---
canonical_url: https://lendb.ai/lo/joseph-cho-855740
json_url: https://lendb.ai/lo/joseph-cho-855740.json
nmls_id: 855740
last_verified: 2026-10-15
---

# Joseph Cho

Associate Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, New York, NY. NMLS ID 855740 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/855740)).

**Summary:** 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 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): 15 (source: https://www.grarate.com/loan-officers/joseph-cho-855740, verified 2026-10-15)
- Licensed in: New York (NY, 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.90, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/joseph-cho-855740
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.90, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/joseph-cho-855740
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/joseph-cho-855740
- **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/joseph-cho-855740

## 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.

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

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.grarate.com/loan-officers/joseph-cho-855740, verified 2026-10-15.
- other: more than 2,000 clients served. Source: https://www.grarate.com/loan-officers/joseph-cho-855740, verified 2026-10-15.
- service_area: New York City, Queens, Brooklyn, Long Island, Nassau County. Source: https://www.grarate.com/loan-officers/joseph-cho-855740, verified 2026-10-15.
- community: Little League baseball coach. Source: https://www.grarate.com/loan-officers/joseph-cho-855740, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NY | 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), New York, NY. Source: https://www.grarate.com/loan-officers/joseph-cho-855740, 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/855740

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/joseph-cho-855740
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-cho-855740#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/855740
- lender_site: https://www.grarate.com/loan-officers/joseph-cho-855740
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Joseph Cho (NMLS 855740), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/joseph-cho-855740, last verified 2026-10-15.

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