---
canonical_url: https://lendb.ai/lo/scott-sheppard-16114
json_url: https://lendb.ai/lo/scott-sheppard-16114.json
nmls_id: 16114
last_verified: 2026-10-15
---

# Scott Sheppard

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Mount Laurel, NJ. NMLS ID 16114 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/16114)).

**Summary:** Scott Sheppard (NMLS 16114) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Mount Laurel, NJ. Licensed in Florida, confirmed with the state regulator (license LO75574). Earliest state license record: October 9, 2020 (Florida), per state regulator. States 19 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: October 9, 2020 (Florida), 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): 19 (source: https://www.grarate.com/loan-officers/scott-sheppard-16114, verified 2026-10-15)
- 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

Scott Sheppard has 19 years of residential lending experience and says they have helped over 6000 customers. They focus on Western PA and make frequent trips to Pittsburgh. They grew up in the Philadelphia suburbs, live in Cherry Hill, NJ, and are active in real estate investing and classic cars.

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

## Facts from the lender page and intro

- years_experience: 19. Source: https://www.grarate.com/loan-officers/scott-sheppard-16114, verified 2026-10-15.
- service_area: Western PA. Source: https://www.grarate.com/loan-officers/scott-sheppard-16114, verified 2026-10-15.
- other: helped over 6000 customers. Source: https://www.grarate.com/loan-officers/scott-sheppard-16114, verified 2026-10-15.
- other: over $1B in total loan origination volume. Source: https://www.grarate.com/loan-officers/scott-sheppard-16114, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO75574 | active | confirmed | 2020-10-09 | state_regulator | 2026-10-15 |
| NY | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Mount Laurel, NJ. Source: https://www.grarate.com/loan-officers/scott-sheppard-16114, 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/16114

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/scott-sheppard-16114
- Office phone and Email on file: shown at https://lendb.ai/lo/scott-sheppard-16114#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/16114
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://www.grarate.com/loan-officers/scott-sheppard-16114
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Scott Sheppard (NMLS 16114), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/scott-sheppard-16114, last verified 2026-10-15.

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