---
canonical_url: https://lendb.ai/lo/carmela-townsend-284750
json_url: https://lendb.ai/lo/carmela-townsend-284750.json
nmls_id: 284750
last_verified: 2026-10-15
---

# Carmela Townsend

Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, Tampa, FL. NMLS ID 284750 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/284750)).

**Summary:** Carmela Townsend (NMLS 284750) is Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO12649). Focus areas shown on the lender page: FHA loan, Jumbo loan, Non-QM loan, VA loan and Real estate investor. Earliest state license record: December 9, 2011 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: December 9, 2011 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.grarate.com/loan-officers/carmela-townsend-284750, verified 2026-10-15)
- 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)

- **FHA loan** (`fha`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750
- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750
- **VA loan** (`va`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750

## About

Carmela has over 30 years in mortgage lending and serves clients across Florida. Specializes in FHA, VA, Conventional, Jumbo, and Non-QM loans, and is active in Tarpon Springs-area chambers of commerce.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750, verified 2026-10-15.
- service_area: Florida. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750, verified 2026-10-15.
- community: Ambassador to the Tarpon Springs Chamber of Commerce. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750, verified 2026-10-15.
- community: Member of the Dunedin Chamber of Commerce. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750, verified 2026-10-15.
- community: Member of the GFWC Women's Club of Tarpon Springs and Power Gals. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO12649 | active | confirmed | 2011-12-09 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Tampa, FL. Source: https://www.grarate.com/loan-officers/carmela-townsend-284750, 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/284750

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/carmela-townsend-284750
- Office phone and Email on file: shown at https://lendb.ai/lo/carmela-townsend-284750#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/284750
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/carmela-townsend-284750
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Carmela Townsend (NMLS 284750), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/carmela-townsend-284750, last verified 2026-10-15.

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