---
canonical_url: https://lendb.ai/lo/michael-stepek-28268
json_url: https://lendb.ai/lo/michael-stepek-28268.json
nmls_id: 28268
last_verified: 2026-10-15
---

# Michael Stepek

SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Westfield, NJ. NMLS ID 28268 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/28268)).

**Summary:** Michael Stepek (NMLS 28268) is SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Westfield, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). 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: 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)

- None on file yet.

## About

Serves buyers across Union County and New Jersey, including Westfield, Scotch Plains and Cranford, with a focus on competitive markets. Ranked the #1 loan officer in Union County, with 300–400 clients per year.

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

## Video intro available

Michael has a short recorded video intro on Guaranteed Rate Affinity, LLC's site.

Watch on Guaranteed Rate Affinity, LLC's site: https://www.grarate.com/loan-officers/michael-stepek-28268

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-15.

## Facts from the lender page and intro

- service_area: Union County and New Jersey; Westfield, Scotch Plains, Cranford, Mountainside, Fanwood, Garwood, Cape May, Lumberton. Source: https://www.grarate.com/loan-officers/michael-stepek-28268, verified 2026-10-15.
- credential: Ranked #1 loan officer in Union County. Source: https://www.grarate.com/loan-officers/michael-stepek-28268, verified 2026-10-15.
- other: 300 to 400 clients per year. Source: https://www.grarate.com/loan-officers/michael-stepek-28268, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| 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), Westfield, NJ. Source: https://www.grarate.com/loan-officers/michael-stepek-28268, 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/28268

## Contact

- linkedin_url: https://www.linkedin.com/in/mike-stepek-00954312/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/michael-stepek-28268
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-stepek-28268#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/28268
- lender_site: https://www.grarate.com/loan-officers/michael-stepek-28268
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michael Stepek (NMLS 28268), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michael-stepek-28268, last verified 2026-10-15.

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