---
canonical_url: https://lendb.ai/lo/milton-phillips-1040854
json_url: https://lendb.ai/lo/milton-phillips-1040854.json
nmls_id: 1040854
last_verified: 2026-10-15
---

# Milton Phillips

Reverse Mortgage Specialist at Guaranteed Rate Affinity, LLC, Chicago, IL. NMLS ID 1040854 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1040854)).

**Summary:** Milton Phillips (NMLS 1040854) is Reverse Mortgage Specialist at Guaranteed Rate Affinity, LLC, based in Chicago, IL. Licensed in 2 states confirmed with state regulators: Florida and Connecticut. Focus areas shown on the lender page: Reverse mortgage. Earliest state license record: August 23, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: August 23, 2023 (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), Connecticut (CT, 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)

- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/milton-phillips-1040854

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO122521 | active | confirmed | 2023-08-23 | state_regulator | 2026-10-15 |
| NY | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| CT | state_license | LO-1040854 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Chicago, IL. Source: https://www.grarate.com/loan-officers/milton-phillips-1040854, 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/1040854

## Contact

- linkedin_url: https://www.linkedin.com/in/milton-p-b4421938/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/milton-phillips-1040854
- Office phone and Email on file: shown at https://lendb.ai/lo/milton-phillips-1040854#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1040854
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- lender_site: https://www.grarate.com/loan-officers/milton-phillips-1040854
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Milton Phillips (NMLS 1040854), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/milton-phillips-1040854, last verified 2026-10-15.

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