---
canonical_url: https://lendb.ai/lo/michelle-gemmell-1957379
json_url: https://lendb.ai/lo/michelle-gemmell-1957379.json
nmls_id: 1957379
last_verified: 2026-10-15
---

# Michelle Gemmell

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, St Marys, GA. NMLS ID 1957379 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1957379)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: June 3, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 6 (source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Georgia (GA, 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

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.

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

## Facts from the lender page and intro

- years_experience: 6. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.
- service_area: Camden County, Brevard County, Palm Beach County, Broward County. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.
- service_area: Georgia and Florida. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.
- credential: Top 1% Loan Originator. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.
- credential: Camden Charlton County Association of Realtors Affiliate of the Year. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.
- credential: Community Service Award. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.
- credential: Camden Charlton Association of Realtors President's Award. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, 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: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO70547 | active | confirmed | 2020-06-03 | state_regulator | 2026-10-15 |
| GA | 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), St Marys, GA. Source: https://www.grarate.com/loan-officers/michelle-gemmell-1957379, 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/1957379

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/michelle-gemmell-1957379
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-gemmell-1957379#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1957379
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/michelle-gemmell-1957379
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michelle Gemmell (NMLS 1957379), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michelle-gemmell-1957379, last verified 2026-10-15.

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