Shelley Culp
Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC · Stuart, FL
NMLS ID 450382 (opens in a new tab) · verify at NMLS Consumer Access
Shelley Culp (NMLS 450382) is Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Stuart, FL. Focus areas shown on the lender page: Down payment assistance, FHA loan, Jumbo loan, First-time buyer and VA loan. Earliest state license record: February 14, 2019 (Florida), per state regulator. States 25 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 14, 2019 (Florida), per state regulator
- 25 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: Down payment assistance(from their lender profile page)
- Focus: FHA loan(from their lender profile page)
- Focus: Jumbo loan(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
- Focus: VA loan(from their lender profile page)
Where we saw these: grarate.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Earlier regulator records (not active): FL (expired).
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Stuart, FL · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Shelley Culp has 25+ years in mortgage lending, serving Veterans, first-time buyers and others across Brevard County, Florida. They are certified with Florida Housing for down payment assistance programs.
Our summary of the lender page. Verified 2026-10-15.
- Credentials
- Presidents Club Producer for several years
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- Certified with Florida Housing for down payment assistance programs
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Shelley Culp (NMLS 450382), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/shelley-culp-450382, last verified 2026-10-15.
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