---
canonical_url: https://lendb.ai/lo/kristin-schroeder-316573
json_url: https://lendb.ai/lo/kristin-schroeder-316573.json
nmls_id: 316573
last_verified: 2026-10-15
---

# Kristin Schroeder

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Westminster, CO. NMLS ID 316573 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/316573)).

**Summary:** Kristin Schroeder (NMLS 316573) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Westminster, CO. Lists Colorado on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Self-employed, Low credit score, Real estate investor, VA loan and First-time buyer. States 28 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 28 (source: https://www.grarate.com/loan-officers/kristin-schroeder-316573, verified 2026-10-15)
- Licensed in: Colorado (CO, lender_reported)
- 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/kristin-schroeder-316573
- **Low credit score** (`low-credit`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.52, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573
- **VA loan** (`va`): from their lender profile page, confidence 0.34, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573
- **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/kristin-schroeder-316573

## About

Kristin Schroeder has 28 years of mortgage experience and focuses on first-time buyers, veterans, investors and self-employed borrowers across Colorado. They also enjoy helping borrowers with low credit scores and unique income situations.

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

## Facts from the lender page and intro

- years_experience: 28. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573, verified 2026-10-15.
- service_area: Colorado. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573, verified 2026-10-15.
- credential: Top Producer. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Westminster, CO. Source: https://www.grarate.com/loan-officers/kristin-schroeder-316573, 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/316573

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/kristin-schroeder-316573
- Office phone and Email on file: shown at https://lendb.ai/lo/kristin-schroeder-316573#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/316573
- lender_site: https://www.grarate.com/loan-officers/kristin-schroeder-316573
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Kristin Schroeder (NMLS 316573), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/kristin-schroeder-316573, last verified 2026-10-15.

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