--- canonical_url: https://lendb.ai/lo/joseph-nabedrick-501945 json_url: https://lendb.ai/lo/joseph-nabedrick-501945.json nmls_id: 501945 last_verified: 2026-10-15 --- # Joe Nabedrick VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Wayzata, MN. NMLS ID 501945 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501945)). **Summary:** Joe Nabedrick (NMLS 501945) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Wayzata, MN. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, California, Colorado, Illinois, Minnesota, North Dakota, New York, Pennsylvania and 3 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Physician and medical professional. Earliest state license record: December 11, 2025 (Texas), per state regulator. States 25 years of experience. Last verified 2026-10-15. ## At a glance - Earliest state license record: December 11, 2025 (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): 25 (source: https://www.grarate.com/loan-officers/joe-nabedrick-501945, verified 2026-10-15) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Illinois (IL, lender_reported), Minnesota (MN, lender_reported), North Dakota (ND, lender_reported), New York (NY, lender_reported), Pennsylvania (PA, lender_reported), South Dakota (SD, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, 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) - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.90, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/joe-nabedrick-501945 ## About Has over 25 years of experience and focuses on physicians, dentists and other high-income professionals, including residents, fellows and new attendings. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 25. Source: https://www.grarate.com/loan-officers/joe-nabedrick-501945, verified 2026-10-15. - service_area: Minnesota and neighboring states. Source: https://www.grarate.com/loan-officers/joe-nabedrick-501945, verified 2026-10-15. - service_area: Twin Cities, Wayzata, Minnetonka, Edina, Maple Grove, greater Minneapolis. Source: https://www.grarate.com/loan-officers/joe-nabedrick-501945, verified 2026-10-15. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO145512 | active | confirmed | 2026-03-03 | state_regulator | 2026-10-15 | | TX | state_license | n/a | active | confirmed | 2025-12-11 | state_regulator | 2026-10-13 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | 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 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | ND | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | SD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WI | 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), Wayzata, MN. Source: https://www.grarate.com/loan-officers/joe-nabedrick-501945, 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/501945 ## Contact - linkedin_url: https://www.linkedin.com/in/joenabedrick/ (source: lender_site, verified 2026-10-15) - View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/joe-nabedrick-501945 - Office phone and Email on file: shown at https://lendb.ai/lo/joseph-nabedrick-501945#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501945 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - lender_site: https://www.grarate.com/loan-officers/joe-nabedrick-501945 - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Joe Nabedrick (NMLS 501945), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/joseph-nabedrick-501945, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._