---
canonical_url: https://lendb.ai/lo/tom-barclay-1086324
json_url: https://lendb.ai/lo/tom-barclay-1086324.json
nmls_id: 1086324
last_verified: 2026-10-15
---

# Tom Barclay

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Ellicott City, MD. NMLS ID 1086324 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1086324)).

**Summary:** Tom Barclay (NMLS 1086324) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Ellicott City, MD. Lists Maryland and Pennsylvania on the lender page (not yet checked with the state regulator). States 12 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 12 (source: https://www.grarate.com/loan-officers/tom-barclay-1086324, verified 2026-10-15)
- Licensed in: Maryland (MD, lender_reported), Pennsylvania (PA, 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)

- None on file yet.

## About

Tom Barclay has over 12 years of experience as a mortgage loan officer and is licensed in Maryland and Pennsylvania. Focuses on exceptional customer service and a smooth, stress-free lending process.

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

## Video intro available

Tom has a short recorded video intro on Guaranteed Rate Affinity, LLC's site.

Watch on Guaranteed Rate Affinity, LLC's site: https://www.grarate.com/loan-officers/tom-barclay-1086324

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 12. Source: https://www.grarate.com/loan-officers/tom-barclay-1086324, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| PA | 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), Ellicott City, MD. Source: https://www.grarate.com/loan-officers/tom-barclay-1086324, 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/1086324

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/tom-barclay-1086324
- Office phone and Email on file: shown at https://lendb.ai/lo/tom-barclay-1086324#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1086324
- lender_site: https://www.grarate.com/loan-officers/tom-barclay-1086324
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tom Barclay (NMLS 1086324), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/tom-barclay-1086324, last verified 2026-10-15.

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