---
canonical_url: https://lendb.ai/lo/leticia-krumplitsch-367538
json_url: https://lendb.ai/lo/leticia-krumplitsch-367538.json
nmls_id: 367538
last_verified: 2026-10-15
---

# Leticia Rios

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Austin, TX. NMLS ID 367538 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/367538)).

**Summary:** Leticia Rios (NMLS 367538) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Austin, TX. Licensed in 2 states confirmed with state regulators: Florida and Texas. Focus areas shown on the lender page: Real estate investor. Speaks Spanish. Earliest state license record: January 20, 2020 (Texas), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 20, 2020 (Texas), 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): 20 (source: https://www.grarate.com/loan-officers/leticia-rios-367538, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Texas (TX, 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/leticia-rios-367538

## About

Leticia Rios says they have 20 years of experience and speak Spanish. They focus on guiding first-time buyers and also help move-up buyers, investors and high-net-worth clients.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.grarate.com/loan-officers/leticia-rios-367538, verified 2026-10-15.
- role: Mortgage Advisor. Source: https://www.grarate.com/loan-officers/leticia-rios-367538, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO88402 | active | confirmed | 2021-05-26 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2020-01-20 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Austin, TX. Source: https://www.grarate.com/loan-officers/leticia-rios-367538, 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/367538

## Contact

- linkedin_url: https://www.linkedin.com/in/leticia-rios-0b501633/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/leticia-rios-367538
- Office phone and Email on file: shown at https://lendb.ai/lo/leticia-krumplitsch-367538#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/367538
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.grarate.com/loan-officers/leticia-rios-367538
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Leticia Rios (NMLS 367538), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/leticia-krumplitsch-367538, last verified 2026-10-15.

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