---
canonical_url: https://lendb.ai/lo/michelle-morris-264030
json_url: https://lendb.ai/lo/michelle-morris-264030.json
nmls_id: 264030
last_verified: 2026-10-15
---

# Michelle Morris

SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, San Diego, CA. NMLS ID 264030 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/264030)).

**Summary:** Michelle Morris (NMLS 264030) is SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in San Diego, CA. 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: 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 Morris describes themselves as a dedicated refinance specialist who focuses on understanding each client's financial situation to find a suitable mortgage solution.

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

## Facts from the lender page and intro

- role: refinance specialist. Source: https://www.grarate.com/loan-officers/michelle-morris-264030, verified 2026-10-15.

## Licenses

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

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), San Diego, CA. Source: https://www.grarate.com/loan-officers/michelle-morris-264030, 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/264030

## Contact

- linkedin_url: http://linkedin.com/in/michelle-morris-51727a47 (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/michelle-morris-264030
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-morris-264030#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/264030
- lender_site: https://www.grarate.com/loan-officers/michelle-morris-264030
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Michelle Morris (NMLS 264030), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/michelle-morris-264030, last verified 2026-10-15.

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