---
canonical_url: https://lendb.ai/lo/shelley-culp-450382
json_url: https://lendb.ai/lo/shelley-culp-450382.json
nmls_id: 450382
last_verified: 2026-10-15
---

# Shelley Culp

Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, Stuart, FL. NMLS ID 450382 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450382)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: February 14, 2019 (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): 25 (source: https://www.grarate.com/loan-officers/shelley-culp-450382, verified 2026-10-15)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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)

- **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/shelley-culp-450382
- **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/shelley-culp-450382
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/shelley-culp-450382
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/shelley-culp-450382
- **VA loan** (`va`): from their lender profile page, confidence 0.40, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/shelley-culp-450382

## 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.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.grarate.com/loan-officers/shelley-culp-450382, verified 2026-10-15.
- service_area: Brevard County, Florida. Source: https://www.grarate.com/loan-officers/shelley-culp-450382, verified 2026-10-15.
- credential: Presidents Club Producer for several years. Source: https://www.grarate.com/loan-officers/shelley-culp-450382, verified 2026-10-15.
- credential: Certified with Florida Housing for down payment assistance programs. Source: https://www.grarate.com/loan-officers/shelley-culp-450382, verified 2026-10-15.
- other: Has helped several thousand clients. Source: https://www.grarate.com/loan-officers/shelley-culp-450382, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO59273 | expired | confirmed | 2019-02-14 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Stuart, FL. Source: https://www.grarate.com/loan-officers/shelley-culp-450382, 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/450382

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/shelley-culp-450382
- Office phone and Email on file: shown at https://lendb.ai/lo/shelley-culp-450382#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450382
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/shelley-culp-450382
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Shelley Culp (NMLS 450382), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/shelley-culp-450382, last verified 2026-10-15.

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