---
canonical_url: https://lendb.ai/lo/laura-gardner-308093
json_url: https://lendb.ai/lo/laura-gardner-308093.json
nmls_id: 308093
last_verified: 2026-10-15
---

# Laura Gardner

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Town and Country, MO. NMLS ID 308093 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/308093)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: August 21, 2024 (Florida), 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): 36 (source: https://www.grarate.com/loan-officers/laura-gardner-308093, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Missouri (MO, 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)

- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/laura-gardner-308093

## 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.

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

## Facts from the lender page and intro

- years_experience: 36. Source: https://www.grarate.com/loan-officers/laura-gardner-308093, verified 2026-10-15.
- service_area: St. Louis, Ballwin, Town & Country, Ellisville, Manchester, Kirkwood, Webster Groves. Source: https://www.grarate.com/loan-officers/laura-gardner-308093, verified 2026-10-15.
- credential: Reverse Mortgage certification. Source: https://www.grarate.com/loan-officers/laura-gardner-308093, verified 2026-10-15.
- credential: President's Club. Source: https://www.grarate.com/loan-officers/laura-gardner-308093, verified 2026-10-15.
- other: helped over 3,000 clients. Source: https://www.grarate.com/loan-officers/laura-gardner-308093, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO131243 | active | confirmed | 2024-08-21 | state_regulator | 2026-10-15 |
| MO | 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), Town and Country, MO. Source: https://www.grarate.com/loan-officers/laura-gardner-308093, 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/308093

## Contact

- linkedin_url: http://www.linkedin.com/in/laura-gardner-3a8865b (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/laura-gardner-308093
- Office phone and Email on file: shown at https://lendb.ai/lo/laura-gardner-308093#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/308093
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/laura-gardner-308093
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Laura Gardner (NMLS 308093), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/laura-gardner-308093, last verified 2026-10-15.

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