---
canonical_url: https://lendb.ai/lo/amber-smith-625545
json_url: https://lendb.ai/lo/amber-smith-625545.json
nmls_id: 625545
last_verified: 2026-10-15
---

# Amber Smith

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Palm Beach Gardens, FL. NMLS ID 625545 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/625545)).

**Summary:** Amber Smith (NMLS 625545) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Palm Beach Gardens, FL. Licensed in Florida, confirmed with the state regulator (license LO118879). Earliest state license record: April 10, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: April 10, 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 | LO118879 | active | confirmed | 2023-04-10 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Palm Beach Gardens, FL. Source: https://www.grarate.com/loan-officers/amber-smith-625545, 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/625545

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/amber-smith-625545
- Office phone and Email on file: shown at https://lendb.ai/lo/amber-smith-625545#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/625545
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/amber-smith-625545
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Amber Smith (NMLS 625545), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/amber-smith-625545, last verified 2026-10-15.

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