Michelle Gemmell
VP of Mortgage Lending at Guaranteed Rate Affinity, LLC · St Marys, GA
NMLS ID 1957379 (opens in a new tab) · verify at NMLS Consumer Access
Michelle Gemmell (NMLS 1957379) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in St Marys, GA. Licensed in Florida, confirmed with the state regulator (license LO70547). Also lists Georgia on the lender page (not yet checked with the state regulator). Earliest state license record: June 3, 2020 (Florida), per state regulator. States 6 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: June 3, 2020 (Florida), per state regulator
- 6 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO70547, first effective 2020-06-03), verified 2026-10-15.
Lender-reported: GA is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · St Marys, GA · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Mortgage loan officer serving Camden, Brevard, Palm Beach and Broward counties, with more than six years helping families with home financing. Recognized as a Top 1% Loan Originator.
Our summary of the lender page. Verified 2026-10-15.
- Serves
- Camden County, Brevard County, Palm Beach County, Broward County
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- Camden Charlton County Association of Realtors Affiliate of the Year
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- Camden Charlton Association of Realtors President's Award
- Source (opens in a new tab), verified 2026-10-15
- Community
- Camden County Chamber of Commerce, Navy League of the United States, Camden/Charlton County Association of Realtors, RPAC, community service initiatives, Toys for Tots fundraising
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Michelle Gemmell (NMLS 1957379), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michelle-gemmell-1957379, last verified 2026-10-15.
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