{
  "canonical_url": "https://lendb.ai/lo/pamela-rios-tabares-208089",
  "loan_officer": {
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    "slug": "pamela-rios-tabares-208089",
    "canonical_url": "https://lendb.ai/lo/pamela-rios-tabares-208089",
    "md_url": "https://lendb.ai/lo/pamela-rios-tabares-208089.md",
    "json_url": "https://lendb.ai/lo/pamela-rios-tabares-208089.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208089",
    "full_name": {
      "value": "Pam Rios",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "first_name": "Pam",
    "last_name": "Rios",
    "headshot_url": {
      "value": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hppr-pam-rios.jpg",
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      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Pam Rios brings 39 years of mortgage industry experience, having been the first FHA direct endorsement underwriter in the U.S. Virgin Islands. Recognized in top 10 production and top 1% nationally by Scotsman Guide, earning President's Level status multiple times.",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 1,
    "years_experience": {
      "value": 39,
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 3274,
      "lender_name": "Guild Mortgage",
      "lender_slug": "guild-mortgage-3274",
      "branch_city": "Marietta",
      "branch_state": "GA",
      "branch_zip": "30060",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3274,
        "lender_name": "Guild Mortgage",
        "lender_slug": "guild-mortgage-3274",
        "branch_city": "Marietta",
        "branch_state": "GA",
        "branch_zip": "30060",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO136357",
        "status": "active",
        "issued_at": "2025-03-19",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.68,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.24,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "39",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "First FHA direct endorsement underwriter in the United States Virgin Islands",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Recognized top 10 in production and top 1% nationally by Scotsman Guide",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "President's Level status multiple times",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:58:23.967335+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/pamela-rios-tabares-208089#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}