---
canonical_url: https://lendb.ai/lo/michael-biales-770504
json_url: https://lendb.ai/lo/michael-biales-770504.json
nmls_id: 770504
last_verified: 2026-10-09
---

# Michael Biales

RCS-D l Producing Branch Manager at Guild Mortgage, Chesterfield, MO. NMLS ID 770504 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/770504)).

**Summary:** Michael Biales (NMLS 770504) is RCS-D l Producing Branch Manager at Guild Mortgage, based in Chesterfield, MO. Licensed in Florida, confirmed with the state regulator (license LO147042). Also lists Illinois, Indiana, Kansas, Missouri and Tennessee on the lender page (not yet checked with the state regulator). Licensed since 2026 (per Florida records). States 15 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 15 (source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Missouri (MO, lender_reported), Tennessee (TN, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Michael is a Senior Mortgage Banker with 15+ years in finance, including 5 years in commercial lending. He serves six states and holds Mortgage Planning Specialist and Real Estate Collaboration Specialist-Divorce certifications.

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

## Facts from the lender page and intro

- years_experience: 15. Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09.
- role: Senior Mortgage Banker. Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09.
- education: B.S. in Business Administration with emphasis in Finance, Banking, and Real Estate from University of Missouri–Columbia. Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09.
- credential: Mortgage Planning Specialist. Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09.
- credential: Real Estate Collaboration Specialist-Divorce (RCS-D). Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09.
- other: 5 years commercial lending experience before mortgage industry. Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147042 | active | confirmed | 2026-04-21 | state_regulator | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Chesterfield, MO. Source: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.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/770504

## Contact

- linkedin_url: https://www.linkedin.com/in/michael-biales-50476a7/ (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-biales-770504#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/770504
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://branches.guildmortgage.com/mo/chesterfield/michael-biales-558-cnmb.html

Cite as: Michael Biales (NMLS 770504), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/michael-biales-770504, last verified 2026-10-09.

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