--- canonical_url: https://lendb.ai/lo/kofi-alphonso-963926 json_url: https://lendb.ai/lo/kofi-alphonso-963926.json nmls_id: 963926 last_verified: 2026-10-15 --- # Kofi Alphonso Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, Chicago, IL. NMLS ID 963926 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/963926)). **Summary:** Kofi Alphonso (NMLS 963926) is Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Chicago, IL. Licensed in Connecticut, confirmed with the state regulator (license LO-963926). Also lists District of Columbia, Massachusetts, Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: DSCR loan, FHA loan and First-time buyer. States 7 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): 7 (source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, verified 2026-10-15) - Licensed in: Connecticut (CT, confirmed), District of Columbia (DC, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Virginia (VA, 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) - **DSCR loan** (`dscr`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926 - **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926 - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.17, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926 ## About Kofi Alphonso has 7 years in mortgage lending plus 15 years in banking and finance, and has helped about 350 clients. Focus areas include first-time buyers and investors across Maryland, DC, Virginia, Massachusetts and Connecticut. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 7. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, verified 2026-10-15. - service_area: Maryland, Washington, D.C., Virginia, Massachusetts, Connecticut. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, verified 2026-10-15. - other: Approximately 350 clients helped. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, verified 2026-10-15. - other: 15 years of banking and finance experience. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, verified 2026-10-15. - other: Former real estate agent. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, verified 2026-10-15. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | CT | state_license | LO-963926 | active | confirmed | | state_regulator | 2026-10-15 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VA | 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), Chicago, IL. Source: https://www.grarate.com/loan-officers/kofi-alphonso-963926, 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/963926 ## Contact - linkedin_url: https://www.linkedin.com/in/serlom-alphonso-74a84467 (source: lender_site, verified 2026-10-15) - View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/kofi-alphonso-963926 - Office phone and Email on file: shown at https://lendb.ai/lo/kofi-alphonso-963926#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/963926 - 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/kofi-alphonso-963926 - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Kofi Alphonso (NMLS 963926), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/kofi-alphonso-963926, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._