---
canonical_url: https://lendb.ai/lo/kathleen-spies-1398837
json_url: https://lendb.ai/lo/kathleen-spies-1398837.json
nmls_id: 1398837
last_verified: 2026-10-16
---

# Kathleen Spies

Bilingual CRA Loan Officer II at First Mid Bank & Trust, St Louis, MO. NMLS ID 1398837 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398837)).

Based in St Louis, Missouri, Kathleen Spies (NMLS 1398837) is a Bilingual CRA Loan Officer II at First Mid Bank & Trust. Kathleen speaks Spanish.

**Summary:** Kathleen Spies (NMLS 1398837) is Bilingual CRA Loan Officer II at First Mid Bank & Trust, based in St Louis, MO. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish. States 15 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Kathleen licensed?

Kathleen works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Kathleen work for?

First Mid Bank & Trust, company NMLS 411170, from the St Louis, MO office, per the lender's own site (verified 2026-10-16). Source: https://www.firstmid.com/staff/kathleen-spies.

### What languages does Kathleen speak?

Spanish, per their lender page (verified 2026-10-16). Source: https://www.firstmid.com/staff/kathleen-spies.

### How much experience does Kathleen have?

Kathleen states 15 years of experience. Source: https://www.firstmid.com/staff/kathleen-spies.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 15 (source: https://www.firstmid.com/staff/kathleen-spies, verified 2026-10-16)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## About

Kathleen Spies is a Bilingual CRA Loan Officer II based in St. Louis, MO. They have more than 15 years of banking experience and are a St. Louis native. They are fully bilingual in Spanish and serve customers across Illinois and Missouri.

Source: LenDb summary of the lender page, verified 2026-10-16.

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.firstmid.com/staff/kathleen-spies, verified 2026-10-16.
- service_area: Illinois and Missouri. Source: https://www.firstmid.com/staff/kathleen-spies, verified 2026-10-16.
- education: Bachelor of Law degree with a focus on International Law, National Autonomous University of Honduras. Source: https://www.firstmid.com/staff/kathleen-spies, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: First Mid Bank & Trust (NMLS 411170), St Louis, MO. Source: https://www.firstmid.com/staff/kathleen-spies, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398837

## Contact

- View profile at First Mid Bank & Trust: https://www.firstmid.com/staff/kathleen-spies
- Office phone and Email on file: shown at https://lendb.ai/lo/kathleen-spies-1398837#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398837
- lender_site: https://www.firstmid.com/staff/kathleen-spies

Cite as: Kathleen Spies (NMLS 1398837), First Mid Bank & Trust. LenDb.ai, https://lendb.ai/lo/kathleen-spies-1398837, last verified 2026-10-16.

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