Her Story
About Charity
Charity Moreland is the VP of the National Builder Division at Guaranteed Rate Affinity, where she brings more than two decades of experience in mortgage and finance to her work supporting loan officers nationwide. Since entering the industry in 2002 and relocating to West Des Moines, Iowa, she has built a career centered on identifying and growing builder business, expanding key accounts, and shaping national builder strategy for the organizations she has served. Her career path reflects a deliberate choice to specialize rather than diversify, a strategy she credits with setting her apart in a competitive, male-dominated field and one she frequently encourages other women to consider as they build their own paths forward.
Moreland's professional drive is closely tied to her personal history. Raised in circumstances of semi-poverty, she developed an early determination to create lasting financial stability, a motivation that has only deepened through her role as a mother of four adult children. She often points to the enduring influence of her late father, whom she describes as her biggest supporter, as a guiding force behind her career choices. Just as central to her success, in her own view, has been an emphasis on cultivating genuine, long-term relationships with colleagues, clients, and partners throughout the industry rather than pursuing short-term transactions.
Outside of her professional responsibilities, Moreland maintains an active commitment to community and philanthropic causes, supporting public library systems, the Leukemia & Lymphoma Society, and Disabled Veterans of America. She also finds personal fulfillment in antiquing and home decorating, currently downsizing her home while curating each space around a light academia aesthetic. In recognition of her contributions to the mortgage and finance industry, she was recently selected as one of the Influential Women representing Iowa for 2026, a distinction that reflects both her professional achievements and her ongoing dedication to mentoring the next generation of women entering the field.
Her Interview
Ten minutes with Charity
01What do you attribute your success to?
I attribute my success to my family, since everything I do is ultimately for my children. My late father was a tremendous influence and my biggest champion, and the deep professional relationships I've built over the years continue to energize me. Having grown up in semi-poverty, I developed a strong work ethic early on and have always been a striver, driven by the desire to give my family comfort and stability rather than simply chasing wealth.
02What’s the best career advice you’ve ever received?
Early in my career, someone cautioned me that focusing so heavily on the builder side of the business would pigeonhole me. That advice ended up shaping my approach in the opposite direction, helping me see the value in committing fully to a niche rather than avoiding one.
03What advice would you give to young women entering your industry?
I'd tell them to find their niche and commit to it completely. When I went all in on the builder side and focused on becoming truly excellent at it, it set me apart from others in the field. Opportunities may be fewer when you specialize this way, but patience pays off, because the right opportunities will be a much better fit for your skills and expertise.
04What are the biggest challenges or opportunities in your field right now?
Our industry remains heavily male-dominated, with men making up roughly 80% of the space in my experience. That creates real challenges around legacy networking structures and under-representation, but it also creates an opportunity for women to build stronger networks, support one another, and become more comfortable promoting their own achievements.
05What values are most important to you in your work and personal life?
Family comes first for me, along with the meaningful relationships I've cultivated throughout my career. Giving back to my community, particularly through supporting libraries, is deeply important to me as well, as is my ongoing commitment to providing comfort and stability for my children.
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