---
canonical_url: https://lendb.ai/lo/michelle-fry-858787
json_url: https://lendb.ai/lo/michelle-fry-858787.json
nmls_id: 858787
last_verified: 2026-10-15
---

# Michelle Fry

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Upper Arlington, OH. NMLS ID 858787 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/858787)).

**Summary:** Michelle Fry (NMLS 858787) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Upper Arlington, OH. Licensed in Florida, confirmed with the state regulator (license LO54650). Earliest state license record: July 9, 2018 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 9, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- 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)

- None on file yet.

## About

Michelle says they specialize in securing nontraditional financing for clients who don't fit the standard lending mold.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO54650 | active | confirmed | 2018-07-09 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Upper Arlington, OH. Source: https://www.grarate.com/loan-officers/michelle-fry-858787, 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/858787

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/michelle-fry-858787
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-fry-858787#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/858787
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/michelle-fry-858787
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michelle Fry (NMLS 858787), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michelle-fry-858787, last verified 2026-10-15.

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