---
canonical_url: https://lendb.ai/lo/timothy-smith-1525200
json_url: https://lendb.ai/lo/timothy-smith-1525200.json
nmls_id: 1525200
last_verified: 2026-10-15
---

# Tim Smith

Production & Development Specialist at Guaranteed Rate Affinity, LLC, Chicago, IL. NMLS ID 1525200 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1525200)).

**Summary:** Tim Smith (NMLS 1525200) is Production & Development Specialist at Guaranteed Rate Affinity, LLC, based in Chicago, IL. Earliest state license record: March 16, 2021 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 16, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- 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)

- None on file yet.

## About

Tim Smith started a mortgage lending career after graduating in June 2012 with a bachelor's in finance from DePaul University. They worked four years as an underwriter before moving into renovation lending in 2016. Their profile says they gained experience with renovation loans, FHA, conventional and jumbo products.

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

## Facts from the lender page and intro

- years_experience: since 2012. Source: https://www.grarate.com/loan-officers/tim-smith-1525200, verified 2026-10-15.
- education: Bachelor's in finance, DePaul University. Source: https://www.grarate.com/loan-officers/tim-smith-1525200, verified 2026-10-15.
- role: Mortgage underwriter for four years before renovation lending. Source: https://www.grarate.com/loan-officers/tim-smith-1525200, verified 2026-10-15.
- role: Moved into renovation lending in 2016. Source: https://www.grarate.com/loan-officers/tim-smith-1525200, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO84011 | expired | confirmed | 2021-03-16 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Chicago, IL. Source: https://www.grarate.com/loan-officers/tim-smith-1525200, 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/1525200

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/tim-smith-1525200
- Office phone and Email on file: shown at https://lendb.ai/lo/timothy-smith-1525200#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1525200
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/tim-smith-1525200
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tim Smith (NMLS 1525200), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/timothy-smith-1525200, last verified 2026-10-15.

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