---
canonical_url: https://lendb.ai/lo/kristian-winters-28270
json_url: https://lendb.ai/lo/kristian-winters-28270.json
nmls_id: 28270
last_verified: 2026-10-15
---

# Kristian Winters

SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Mount Laurel, NJ. NMLS ID 28270 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/28270)).

**Summary:** Kristian Winters (NMLS 28270) is SVP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Mount Laurel, NJ. Licensed in 4 states confirmed with state regulators: Florida, Texas, New York and Louisiana. Earliest state license record: June 24, 2010 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 24, 2010 (Texas), 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), Texas (TX, confirmed), New York (NY, confirmed), Louisiana (LA, 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

Kristian Winters has nearly 20 years' experience assisting transferees with mortgage needs, including corporate relocation clients.

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

## Facts from the lender page and intro

- years_experience: nearly 20. Source: https://www.grarate.com/loan-officers/kristian-winters-28270, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO6554 | active | confirmed | 2011-05-17 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2010-06-24 | state_regulator | 2026-10-13 |
| NY | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |
| LA | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Mount Laurel, NJ. Source: https://www.grarate.com/loan-officers/kristian-winters-28270, 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/28270

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/kristian-winters-28270
- Office phone and Email on file: shown at https://lendb.ai/lo/kristian-winters-28270#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/28270
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- state_regulator: https://www.grarate.com/loan-officers/kristian-winters-28270
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Kristian Winters (NMLS 28270), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/kristian-winters-28270, last verified 2026-10-15.

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