---
canonical_url: https://lendb.ai/lo/karissa-richardson-2561251
json_url: https://lendb.ai/lo/karissa-richardson-2561251.json
nmls_id: 2561251
last_verified: 2026-10-15
---

# Karissa Richardson

SVP of Sales Performance, Mortgage Lending at Guaranteed Rate Affinity, LLC, Chicago, IL. NMLS ID 2561251 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2561251)).

**Summary:** Karissa Richardson (NMLS 2561251) is SVP of Sales Performance, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Chicago, IL. Licensed in Florida, confirmed with the state regulator (license LO134304). Focus areas shown on the lender page: Jumbo loan and Reverse mortgage. Earliest state license record: January 3, 2025 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 3, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/karissa-richardson-2561251
- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/karissa-richardson-2561251

## About

Karissa is a Florida-licensed loan originator serving Tampa Bay and nearby areas, with a focus on jumbo, portfolio and reverse mortgage lending. They also hold a senior leadership role at Guaranteed Rate Affinity.

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

## Facts from the lender page and intro

- service_area: Tampa Bay and surrounding areas. Source: https://www.grarate.com/loan-officers/karissa-richardson-2561251, verified 2026-10-15.
- role: senior leadership at Guaranteed Rate Affinity. Source: https://www.grarate.com/loan-officers/karissa-richardson-2561251, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO134304 | active | confirmed | 2025-01-03 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Chicago, IL. Source: https://www.grarate.com/loan-officers/karissa-richardson-2561251, 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/2561251

## Contact

- linkedin_url: https://www.linkedin.com/in/karissa-richardson/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/karissa-richardson-2561251
- Office phone and Email on file: shown at https://lendb.ai/lo/karissa-richardson-2561251#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2561251
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/karissa-richardson-2561251
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Karissa Richardson (NMLS 2561251), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/karissa-richardson-2561251, last verified 2026-10-15.

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