---
canonical_url: https://lendb.ai/lo/jonathan-smith-196479
json_url: https://lendb.ai/lo/jonathan-smith-196479.json
nmls_id: 196479
last_verified: 2026-10-15
---

# Jon Smith

Originating Manager at Guaranteed Rate Affinity, LLC, Winter Springs, FL. NMLS ID 196479 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196479)).

**Summary:** Jon Smith (NMLS 196479) is Originating Manager at Guaranteed Rate Affinity, LLC, based in Winter Springs, FL. Licensed in Florida, confirmed with the state regulator (license LO1469). Focus areas shown on the lender page: Self-employed, Real estate investor, VA loan and First-time buyer. Earliest state license record: January 13, 2011 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 13, 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)

- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.64, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jon-smith-196479
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.52, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jon-smith-196479
- **VA loan** (`va`): from their lender profile page, confidence 0.40, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jon-smith-196479
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.19, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jon-smith-196479

## About

Jon Smith has 25+ years of experience and focuses on first-time buyers, veterans, self-employed borrowers and investors across the Orlando area.

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

## Video intro available

Jon has a short recorded video intro on Guaranteed Rate Affinity, LLC's site.

Watch on Guaranteed Rate Affinity, LLC's site: https://www.grarate.com/loan-officers/jon-smith-196479

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 25+. Source: https://www.grarate.com/loan-officers/jon-smith-196479, verified 2026-10-15.
- credential: Top 1% Scotsman Guide originator; multiple industry awards. Source: https://www.grarate.com/loan-officers/jon-smith-196479, verified 2026-10-15.
- service_area: Orlando, Dr. Phillips, Winter Park, Oviedo, Winter Springs, Winter Garden. Source: https://www.grarate.com/loan-officers/jon-smith-196479, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO1469 | active | confirmed | 2011-01-13 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Winter Springs, FL. Source: https://www.grarate.com/loan-officers/jon-smith-196479, 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/196479

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/jon-smith-196479
- Office phone and Email on file: shown at https://lendb.ai/lo/jonathan-smith-196479#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196479
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/jon-smith-196479
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Jon Smith (NMLS 196479), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/jonathan-smith-196479, last verified 2026-10-15.

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