---
canonical_url: https://lendb.ai/lo/ryan-ivory-2022954
json_url: https://lendb.ai/lo/ryan-ivory-2022954.json
nmls_id: 2022954
last_verified: 2026-10-15
---

# Ryan Ivory

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Charlotte, NC. NMLS ID 2022954 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2022954)).

**Summary:** Ryan Ivory (NMLS 2022954) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Charlotte, NC. Licensed in Florida, confirmed with the state regulator (license LO106209). Also lists North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, DSCR loan, FHA loan, Jumbo loan and VA loan. Earliest state license record: April 19, 2022 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: April 19, 2022 (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), North Carolina (NC, lender_reported), South Carolina (SC, 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/ryan-ivory-2022954
- **DSCR loan** (`dscr`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954
- **FHA loan** (`fha`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954
- **VA loan** (`va`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954

## About

Ryan Ivory has over seven years in the mortgage industry, including over five as a loan officer, serving Charlotte, Greenville, Columbia, and Charleston.

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

## Facts from the lender page and intro

- years_experience: more than 7. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954, verified 2026-10-15.
- service_area: Charlotte and the surrounding areas. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954, verified 2026-10-15.
- service_area: Greenville, Columbia, and Charleston, South Carolina. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954, verified 2026-10-15.
- other: approximately 350 clients helped. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO106209 | active | confirmed | 2022-04-19 | state_regulator | 2026-10-15 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| SC | 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), Charlotte, NC. Source: https://www.grarate.com/loan-officers/ryan-ivory-2022954, 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/2022954

## Contact

- linkedin_url: https://www.linkedin.com/in/ryanivory/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/ryan-ivory-2022954
- Office phone and Email on file: shown at https://lendb.ai/lo/ryan-ivory-2022954#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2022954
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/ryan-ivory-2022954
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ryan Ivory (NMLS 2022954), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/ryan-ivory-2022954, last verified 2026-10-15.

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