---
canonical_url: https://lendb.ai/lo/debra-shultz-49302
json_url: https://lendb.ai/lo/debra-shultz-49302.json
nmls_id: 49302
last_verified: 2026-10-15
---

# Debra Shultz

SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, New York, NY. NMLS ID 49302 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/49302)).

**Summary:** Debra Shultz (NMLS 49302) is SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in New York, NY. Licensed in 3 states confirmed with state regulators: Florida, New York and Connecticut. Earliest state license record: June 7, 2021 (Florida), per state regulator. States 27 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 7, 2021 (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): 27 (source: https://www.grarate.com/loan-officers/deb-shultz-49302, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), New York (NY, confirmed), Connecticut (CT, 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.

## About

Debra Shultz has over 27 years of mortgage lending experience and is based in New York City. They focus on nontraditional borrowers, including Non-QM scenarios such as bank statement, asset depletion and rental income loans.

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

## Facts from the lender page and intro

- years_experience: 27. Source: https://www.grarate.com/loan-officers/deb-shultz-49302, verified 2026-10-15.
- credential: Top 1% National Mortgage Originator. Source: https://www.grarate.com/loan-officers/deb-shultz-49302, verified 2026-10-15.
- service_area: New York City. Source: https://www.grarate.com/loan-officers/deb-shultz-49302, verified 2026-10-15.
- other: Available 24/7/365 by text, email or phone. Source: https://www.grarate.com/loan-officers/deb-shultz-49302, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO89011 | active | confirmed | 2021-06-07 | state_regulator | 2026-10-15 |
| NY | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |
| CT | state_license | LO-49302 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), New York, NY. Source: https://www.grarate.com/loan-officers/deb-shultz-49302, 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/49302

## Contact

- linkedin_url: https://www.linkedin.com/in/debrashultzlinkedin/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/deb-shultz-49302
- Office phone and Email on file: shown at https://lendb.ai/lo/debra-shultz-49302#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/49302
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- lender_site: https://www.grarate.com/loan-officers/deb-shultz-49302
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Debra Shultz (NMLS 49302), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/debra-shultz-49302, last verified 2026-10-15.

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