---
canonical_url: https://lendb.ai/lo/raquel-munoz-rivera-289763
json_url: https://lendb.ai/lo/raquel-munoz-rivera-289763.json
nmls_id: 289763
last_verified: 2026-10-15
---

# Raquel Munoz-Rivera

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Riverside, CA. NMLS ID 289763 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/289763)).

**Summary:** Raquel Munoz-Rivera (NMLS 289763) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Riverside, CA. Licensed in Florida, confirmed with the state regulator (license LO124092). Also lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, Real estate investor, VA loan and First-time buyer. Earliest state license record: November 8, 2023 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: November 8, 2023 (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): 30 (source: https://www.grarate.com/loan-officers/raquel-rivera-289763, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), California (CA, 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)

- **Bank statement loan** (`bank-statement`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.52, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763
- **VA loan** (`va`): from their lender profile page, confidence 0.40, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.19, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763

## About

Raquel Munoz-Rivera has 30 years of experience and focuses on first-time homebuyers, veterans, No Tax Return loans and investors in Florida and California.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763, verified 2026-10-15.
- other: Over 1,000 families helped. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763, verified 2026-10-15.
- service_area: North Florida, Jacksonville, St. John's County, Palm Coast. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763, verified 2026-10-15.
- service_area: Southern California, Riverside, Orange, LA and San Diego Counties. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763, verified 2026-10-15.
- community: Helps community business owners. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO124092 | active | confirmed | 2023-11-08 | state_regulator | 2026-10-15 |
| CA | 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), Riverside, CA. Source: https://www.grarate.com/loan-officers/raquel-rivera-289763, 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/289763

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/raquel-rivera-289763
- Office phone and Email on file: shown at https://lendb.ai/lo/raquel-munoz-rivera-289763#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/289763
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/raquel-rivera-289763
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Raquel Munoz-Rivera (NMLS 289763), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/raquel-munoz-rivera-289763, last verified 2026-10-15.

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