Tom Lubiewski

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC · Cottleville, MO

NMLS ID 739314 (opens in a new tab) · verify at NMLS Consumer Access

Tom Lubiewski (NMLS 739314) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Cottleville, MO. Earliest state license record: April 27, 2022 (Florida), per state regulator. States 25 years of experience.

Last verified 2026-10-15. Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Earliest state license record: April 27, 2022 (Florida), per state regulator
25 years experience (stated)
Works at an FHA-approved lender, per HUD (opens in a new tab)
Unclaimed profile
Disciplinary history not yet checked

Specialties

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Earlier regulator records (not active): FL (expired).

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Employment history

Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Cottleville, MO · seen on lender site 2026-10-15

Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

About

Tom Lubiewski has over 25 years in real estate and banking, starting with a real estate license at age 19. Their roles have included underwriting, processing management, and sales. They served as ambassador family for March of Dimes' Missouri chapter in 2016.

Our summary of the lender page. Verified 2026-10-15.

Community: Ambassador Family, Missouri Chapter of March of Dimes (2016); Source (opens in a new tab), verified 2026-10-15
Community: Chaired Family Team Committee for the 2018 campaign; Source (opens in a new tab), verified 2026-10-15

Sources

Name and employer	lender site · grarate.com (opens in a new tab)	verified 2026-10-15
Licenses (regulator)	state regulator · real.flofr.com (opens in a new tab)	verified 2026-10-15
Summary	lender site · grarate.com (opens in a new tab)	verified 2026-10-15
Contact	lender site · grarate.com (opens in a new tab)	verified 2026-10-15
Photo	lender site · grarate.com (opens in a new tab)	verified 2026-10-15
License status	NMLS Consumer Access (opens in a new tab)	check live

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Cite as: Tom Lubiewski (NMLS 739314), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/thomas-lubiewski-739314, last verified 2026-10-15.

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