---
canonical_url: https://lendb.ai/lo/james-kluegel-276785
json_url: https://lendb.ai/lo/james-kluegel-276785.json
nmls_id: 276785
last_verified: 2026-10-15
---

# Jim Kluegel

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Lake Mary, FL. NMLS ID 276785 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/276785)).

**Summary:** Jim Kluegel (NMLS 276785) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Lake Mary, FL. Licensed in Florida, confirmed with the state regulator (license LO1229). Earliest state license record: January 8, 2011 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 8, 2011 (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.

## About

Based in Metro Orlando, Jim serves borrowers throughout Florida with purchase and refinance mortgages. Jim is a UCF graduate who enjoys golf, the beach, and playing music.

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

## Facts from the lender page and intro

- education: UCF graduate. Source: https://www.grarate.com/loan-officers/jim-kluegel-276785, verified 2026-10-15.
- service_area: Florida. Source: https://www.grarate.com/loan-officers/jim-kluegel-276785, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO1229 | active | confirmed | 2011-01-08 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Lake Mary, FL. Source: https://www.grarate.com/loan-officers/jim-kluegel-276785, 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/276785

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/jim-kluegel-276785
- Office phone and Email on file: shown at https://lendb.ai/lo/james-kluegel-276785#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/276785
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/jim-kluegel-276785
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Jim Kluegel (NMLS 276785), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/james-kluegel-276785, last verified 2026-10-15.

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