---
canonical_url: https://lendb.ai/lo/monica-richmond-1238876
json_url: https://lendb.ai/lo/monica-richmond-1238876.json
nmls_id: 1238876
last_verified: 2026-10-15
---

# Monica Richmond

GRA Loan Officer at Guaranteed Rate Affinity, LLC, Scottsdale, AZ. NMLS ID 1238876 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1238876)).

**Summary:** Monica Richmond (NMLS 1238876) is GRA Loan Officer at Guaranteed Rate Affinity, LLC, based in Scottsdale, AZ. Lists Arizona on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Real estate investor and VA loan. Earliest state license record: February 22, 2021 (Florida), per state regulator. States 14 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: February 22, 2021 (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): 14 (source: https://www.grarate.com/loan-officers/monica-richmond-1238876, verified 2026-10-15)
- Licensed in: Arizona (AZ, 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.90, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876
- **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876

## About

Helps homebuyers across Arizona, focusing on first-time buyers, move-up buyers, investors and veterans, with service in Phoenix-area cities including Scottsdale and Tempe. Has helped over 500 clients.

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

## Facts from the lender page and intro

- years_experience: 14. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876, verified 2026-10-15.
- service_area: Phoenix, Fountain Hills, Glendale, Scottsdale, Goodyear, Buckeye, Cave Creek, Carefree, Surprise, Sun City, Tempe. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876, verified 2026-10-15.
- education: MBA. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876, verified 2026-10-15.
- other: over 500 clients helped throughout Arizona. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO82366 | expired | confirmed | 2021-02-22 | state_regulator | 2026-10-15 |
| AZ | 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), Scottsdale, AZ. Source: https://www.grarate.com/loan-officers/monica-richmond-1238876, 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/1238876

## Contact

- linkedin_url: https://www.linkedin.com/in/monica-traynor-ba809451/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/monica-richmond-1238876
- Office phone and Email on file: shown at https://lendb.ai/lo/monica-richmond-1238876#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1238876
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/monica-richmond-1238876
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Monica Richmond (NMLS 1238876), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/monica-richmond-1238876, last verified 2026-10-15.

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