---
canonical_url: https://lendb.ai/lo/leo-rubenstein-404423
json_url: https://lendb.ai/lo/leo-rubenstein-404423.json
nmls_id: 404423
last_verified: 2026-10-15
---

# David Rubenstein

Originating Manager at Guaranteed Rate Affinity, LLC, Paramus, NJ. NMLS ID 404423 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404423)).

**Summary:** David Rubenstein (NMLS 404423) is Originating Manager at Guaranteed Rate Affinity, LLC, based in Paramus, NJ. Licensed in 2 states confirmed with state regulators: Florida and New York. Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan, Non-QM loan, Real estate investor and Self-employed. Earliest state license record: July 19, 2023 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 19, 2023 (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): 25 (source: https://www.grarate.com/loan-officers/david-rubenstein-404423, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), New York (NY, confirmed), New Jersey (NJ, 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423
- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423

## About

David Rubenstein has 25 years of experience based in Paramus, NJ, focusing on jumbo, conventional and non-QM borrowers. They serve Essex, Morris and Union counties in New Jersey.

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/david-rubenstein-404423, verified 2026-10-15.
- service_area: Essex, Morris, and Union counties in New Jersey. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423, verified 2026-10-15.
- other: over 1,000 clients. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121651 | active | confirmed | 2023-07-19 | state_regulator | 2026-10-15 |
| NY | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |
| NJ | 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), Paramus, NJ. Source: https://www.grarate.com/loan-officers/david-rubenstein-404423, 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/404423

## Contact

- linkedin_url: https://www.linkedin.com/in/david-rubenstein-760b9311/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/david-rubenstein-404423
- Office phone and Email on file: shown at https://lendb.ai/lo/leo-rubenstein-404423#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404423
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://www.grarate.com/loan-officers/david-rubenstein-404423
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: David Rubenstein (NMLS 404423), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/leo-rubenstein-404423, last verified 2026-10-15.

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