---
canonical_url: https://lendb.ai/lo/t-j-cullen-145102
json_url: https://lendb.ai/lo/t-j-cullen-145102.json
nmls_id: 145102
last_verified: 2026-10-15
---

# T.J. Cullen

Originating Manager at Guaranteed Rate Affinity, LLC, Mt Pleasant, SC. NMLS ID 145102 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/145102)).

**Summary:** T.J. Cullen (NMLS 145102) is Originating Manager at Guaranteed Rate Affinity, LLC, based in Mt Pleasant, SC. Lists South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Jumbo loan, 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/tj-cullen-145102, verified 2026-10-15)
- Licensed in: South Carolina (SC, 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/tj-cullen-145102
- **VA loan** (`va`): from their lender profile page, confidence 0.40, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/tj-cullen-145102
- **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/tj-cullen-145102

## About

T.J. Cullen has 28 years of experience and works with first-time homebuyers, move-up buyers, jumbo borrowers and veterans across Charleston, Summerville, Berkeley County and Dorchester County, South Carolina.

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/tj-cullen-145102, verified 2026-10-15.
- other: over 1500 families helped. Source: https://www.grarate.com/loan-officers/tj-cullen-145102, verified 2026-10-15.
- service_area: Charleston, Summerville, Berkeley County, Dorchester County, SC. Source: https://www.grarate.com/loan-officers/tj-cullen-145102, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| SC | 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), Mt Pleasant, SC. Source: https://www.grarate.com/loan-officers/tj-cullen-145102, 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/145102

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/tj-cullen-145102
- Office phone and Email on file: shown at https://lendb.ai/lo/t-j-cullen-145102#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/145102
- lender_site: https://www.grarate.com/loan-officers/tj-cullen-145102
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: T.J. Cullen (NMLS 145102), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/t-j-cullen-145102, last verified 2026-10-15.

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