---
canonical_url: https://lendb.ai/lo/xavier-williams-1395297
json_url: https://lendb.ai/lo/xavier-williams-1395297.json
nmls_id: 1395297
last_verified: 2026-10-15
---

# Xavier Williams

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Johns Creek, GA. NMLS ID 1395297 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1395297)).

**Summary:** Xavier Williams (NMLS 1395297) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Johns Creek, GA. Licensed in Florida, confirmed with the state regulator (license LO134380). Focus areas shown on the lender page: Reverse mortgage, Construction loan, HELOC, Renovation loan (203k / HomeStyle) and FHA loan. Earliest state license record: January 7, 2025 (Florida), per state regulator. States 18 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: January 7, 2025 (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): 18 (source: https://www.grarate.com/loan-officers/xavier-williams-1395297, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed)
- 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)

- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **Construction loan** (`construction`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **HELOC** (`heloc`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **FHA loan** (`fha`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **USDA loan** (`usda`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297
- **VA loan** (`va`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297

## About

Xavier Williams has over 18 years of experience. Their profile lists conventional, FHA, VA and USDA loans, reverse mortgages, refinance and HELOC loans, entrepreneur loans, commercial loans, construction to perm loans and renovation loans as specialties.

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

## Facts from the lender page and intro

- years_experience: 18. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO134380 | active | confirmed | 2025-01-07 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Johns Creek, GA. Source: https://www.grarate.com/loan-officers/xavier-williams-1395297, 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/1395297

## Contact

- linkedin_url: https://www.linkedin.com/in/xavierthelender/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/xavier-williams-1395297
- Office phone and Email on file: shown at https://lendb.ai/lo/xavier-williams-1395297#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1395297
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/xavier-williams-1395297
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Xavier Williams (NMLS 1395297), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/xavier-williams-1395297, last verified 2026-10-15.

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