---
canonical_url: https://lendb.ai/lo/michael-caruso-421360
json_url: https://lendb.ai/lo/michael-caruso-421360.json
nmls_id: 421360
last_verified: 2026-10-15
---

# Michael Caruso

Associate VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Boston, MA. NMLS ID 421360 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/421360)).

**Summary:** Michael Caruso (NMLS 421360) is Associate VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Boston, MA. Licensed in Connecticut, confirmed with the state regulator (license LO-421360). 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.
- Licensed in: Connecticut (CT, 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)

- None on file yet.

## About

Michael Caruso has several years in the mortgage industry and helps customers match a mortgage to their long-term goals and individual needs.

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

## Facts from the lender page and intro

- education: Colby-Sawyer College (New Hampshire). Source: https://www.grarate.com/loan-officers/michael-s-caruso-421360, verified 2026-10-15.
- education: studies at University of Southern Maine. Source: https://www.grarate.com/loan-officers/michael-s-caruso-421360, verified 2026-10-15.
- other: has helped thousands of people move into their dream home. Source: https://www.grarate.com/loan-officers/michael-s-caruso-421360, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CT | state_license | LO-421360 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Boston, MA. Source: https://www.grarate.com/loan-officers/michael-s-caruso-421360, 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/421360

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/michael-s-caruso-421360
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-caruso-421360#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/421360
- 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/michael-s-caruso-421360
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michael Caruso (NMLS 421360), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michael-caruso-421360, last verified 2026-10-15.

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