---
canonical_url: https://lendb.ai/lo/ernesto-virgen-1858159
json_url: https://lendb.ai/lo/ernesto-virgen-1858159.json
nmls_id: 1858159
last_verified: 2026-10-09
---

# Ernesto Virgen

Loan Officer | Hablo Español at Guild Mortgage, Draper, UT. NMLS ID 1858159 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1858159)).

**Summary:** Ernesto Virgen (NMLS 1858159) is Loan Officer | Hablo Español at Guild Mortgage, based in Draper, UT. Lists Arizona and Utah on the lender page (not yet checked with the state regulator). Speaks Spanish. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), Utah (UT, lender_reported)
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO92076 | expired | confirmed | 2021-07-28 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Draper, UT. Source: https://branches.guildmortgage.com/ut/draper/ernesto-virgen-503-hpev.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1858159

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/ut/draper/ernesto-virgen-503-hpev.html
- Office phone and Email on file: shown at https://lendb.ai/lo/ernesto-virgen-1858159#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1858159
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://branches.guildmortgage.com/ut/draper/ernesto-virgen-503-hpev.html

Cite as: Ernesto Virgen (NMLS 1858159), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/ernesto-virgen-1858159, last verified 2026-10-09.

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