---
canonical_url: https://lendb.ai/lo/michelle-davidson-20502
json_url: https://lendb.ai/lo/michelle-davidson-20502.json
nmls_id: 20502
last_verified: 2026-10-15
---

# Michelle Davidson

Branch Manager at Guaranteed Rate Affinity, LLC, Cranston, RI. NMLS ID 20502 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20502)).

**Summary:** Michelle Davidson (NMLS 20502) is Branch Manager at Guaranteed Rate Affinity, LLC, based in Cranston, RI. States 25 years of experience. 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.
- Years experience (stated by the LO): 25 (source: https://www.grarate.com/loan-officers/michelle-davidson-20502, verified 2026-10-15)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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

Michelle Davidson has more than 25 years helping individuals and families achieve homeownership. Outside lending, they are a certified life coach, speaker, trainer and author.

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/michelle-davidson-20502, verified 2026-10-15.
- credential: Certified life coach, speaker, trainer and author (outside mortgage lending). Source: https://www.grarate.com/loan-officers/michelle-davidson-20502, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Cranston, RI. Source: https://www.grarate.com/loan-officers/michelle-davidson-20502, 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/20502

## Contact

- linkedin_url: https://www.linkedin.com/in/michelledavidson401/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/michelle-davidson-20502
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-davidson-20502#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20502
- lender_site: https://www.grarate.com/loan-officers/michelle-davidson-20502
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michelle Davidson (NMLS 20502), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michelle-davidson-20502, last verified 2026-10-15.

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