---
canonical_url: https://lendb.ai/lo/ruby-baranowski-424965
json_url: https://lendb.ai/lo/ruby-baranowski-424965.json
nmls_id: 424965
last_verified: 2026-10-15
---

# Ruby Baranowski

Branch Manager at Guaranteed Rate Affinity, LLC, Walpole, MA. NMLS ID 424965 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/424965)).

**Summary:** Ruby Baranowski (NMLS 424965) is Branch Manager at Guaranteed Rate Affinity, LLC, based in Walpole, MA. Licensed in Florida, confirmed with the state regulator (license LO121761). Earliest state license record: July 25, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 25, 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)
- 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.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121761 | active | confirmed | 2023-07-25 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Walpole, MA. Source: https://www.grarate.com/loan-officers/ruby-santos-424965, 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/424965

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/ruby-santos-424965
- Office phone and Email on file: shown at https://lendb.ai/lo/ruby-baranowski-424965#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/424965
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/ruby-santos-424965
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ruby Baranowski (NMLS 424965), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/ruby-baranowski-424965, last verified 2026-10-15.

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