---
canonical_url: https://lendb.ai/lo/william-clince-246708
json_url: https://lendb.ai/lo/william-clince-246708.json
nmls_id: 246708
last_verified: 2026-10-15
---

# Bill Clince

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, St. Louis, MO. NMLS ID 246708 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/246708)).

**Summary:** Bill Clince (NMLS 246708) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in St. Louis, MO. Earliest state license record: July 5, 2013 (Florida), per state regulator. States 28 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 5, 2013 (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): 28 (source: https://www.grarate.com/loan-officers/bill-clince-246708, 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)

- None on file yet.

## About

Bill Clince has 28 years of experience and describes themselves as a dedicated refinance specialist. Their core business partners include real estate agents, attorneys, developers and CPAs.

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/bill-clince-246708, verified 2026-10-15.
- role: refi specialist. Source: https://www.grarate.com/loan-officers/bill-clince-246708, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO20510 | expired | confirmed | 2013-07-05 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), St. Louis, MO. Source: https://www.grarate.com/loan-officers/bill-clince-246708, 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/246708

## Contact

- linkedin_url: https://www.linkedin.com/in/bill-clince-b930a45/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/bill-clince-246708
- Office phone and Email on file: shown at https://lendb.ai/lo/william-clince-246708#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/246708
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/bill-clince-246708
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Bill Clince (NMLS 246708), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/william-clince-246708, last verified 2026-10-15.

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