---
canonical_url: https://lendb.ai/lo/kathy-gray-238911
json_url: https://lendb.ai/lo/kathy-gray-238911.json
nmls_id: 238911
last_verified: 2026-10-09
---

# Kathy Gray

Mortgage Loan Originator - Hablo Español at Guild Mortgage, St. George, UT. NMLS ID 238911 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/238911)).

**Summary:** Kathy Gray (NMLS 238911) is Mortgage Loan Originator - Hablo Español at Guild Mortgage, based in St. George, UT. Lists California and Utah on the lender page (not yet checked with the state regulator). Speaks English and Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties


## About

Kathy brings comprehensive backgrounds in escrow, mortgage processing, and underwriting, with expertise spanning wholesale and retail lending in California and Utah. She is fluent in English and Spanish and specializes in conventional, equity, FHA, USDA, VA, renovation, and reverse mortgage loans.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- education: Background in Escrow, Mortgage Processing, and Underwriting. Source: https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html, verified 2026-10-09.
- service_area: California and Utah. Source: https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | 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), St. George, UT. Source: https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.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/238911

## Contact

- linkedin_url: https://www.linkedin.com/in/kgray805 (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html
- Office phone and Email on file: shown at https://lendb.ai/lo/kathy-gray-238911#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/238911
- lender_site: https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html

Cite as: Kathy Gray (NMLS 238911), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/kathy-gray-238911, last verified 2026-10-09.

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