--- canonical_url: https://lendb.ai/lo/michael-brustad-455554 json_url: https://lendb.ai/lo/michael-brustad-455554.json nmls_id: 455554 last_verified: 2026-10-15 --- # Mike Brustad VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Pensacola, FL. NMLS ID 455554 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455554)). **Summary:** Mike Brustad (NMLS 455554) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Pensacola, FL. Licensed in Florida, confirmed with the state regulator (license LO51836). Focus areas shown on the lender page: First-time buyer, Renovation loan (203k / HomeStyle), Self-employed and VA loan. Earliest state license record: March 21, 2018 (Florida), per state regulator. States 24 years of experience. Last verified 2026-10-15. ## At a glance - Earliest state license record: March 21, 2018 (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): 24 (source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15) - 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) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/mike-brustad-455554 - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/mike-brustad-455554 - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/mike-brustad-455554 - **VA loan** (`va`): from their lender profile page, confidence 0.40, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/mike-brustad-455554 ## About Mike Brustad has 24 years in mortgage lending and focuses on first-time homebuyers, Veterans, and self-employed borrowers in the Florida Panhandle. They hold VA and renovation certifications. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 24. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - other: 2,500 families served. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - service_area: Florida Panhandle, Pensacola, Gulf Breeze, Pace, Milton, Fort Walton Beach, Crestview, Navarre, Destin, Miramar Beach, Daphne, Foley, Orange Beach, Mobile. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - credential: Presidents Club member at LoanDepot and Countrywide. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - credential: Renovation and VA certified. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - education: bachelors degree in Mathematics. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - community: member of the Pensacola Association of Realtors. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. - community: facilitates Pensacola Drum Circles. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, verified 2026-10-15. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO51836 | active | confirmed | 2018-03-21 | state_regulator | 2026-10-15 | ## Employment history - ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Pensacola, FL. Source: https://www.grarate.com/loan-officers/mike-brustad-455554, 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/455554 ## Contact - linkedin_url: https://www.linkedin.com/in/mike-brustad-6291a59 (source: lender_site, verified 2026-10-15) - View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/mike-brustad-455554 - Office phone and Email on file: shown at https://lendb.ai/lo/michael-brustad-455554#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455554 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.grarate.com/loan-officers/mike-brustad-455554 - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Mike Brustad (NMLS 455554), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michael-brustad-455554, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._