Laura Gardner
VP of Mortgage Lending at Guaranteed Rate Affinity, LLC · Town and Country, MO
NMLS ID 308093 (opens in a new tab) · verify at NMLS Consumer Access
Laura Gardner (NMLS 308093) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Town and Country, MO. Licensed in Florida, confirmed with the state regulator (license LO131243). Also lists Missouri on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage. Earliest state license record: August 21, 2024 (Florida), per state regulator. States 36 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: August 21, 2024 (Florida), per state regulator
- 36 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
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
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO131243, first effective 2024-08-21), verified 2026-10-15.
Lender-reported: MO 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 · Town and Country, MO · 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
Laura Gardner has 36 years of experience and focuses on upsizing, downsizing, and rightsizing moves in the St. Louis area. They hold a Reverse Mortgage certification.
Our summary of the lender page. Verified 2026-10-15.
- Serves
- St. Louis, Ballwin, Town & Country, Ellisville, Manchester, Kirkwood, Webster Groves
- 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 |
| Licenses (regulator) | state regulator · real.flofr.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: Laura Gardner (NMLS 308093), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/laura-gardner-308093, last verified 2026-10-15.
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