---
canonical_url: https://lendb.ai/lo/pamela-rios-tabares-208089
json_url: https://lendb.ai/lo/pamela-rios-tabares-208089.json
nmls_id: 208089
last_verified: 2026-10-09
---

# Pam Rios

Senior Loan Officer at Guild Mortgage, Marietta, GA. NMLS ID 208089 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208089)).

**Summary:** Pam Rios (NMLS 208089) is Senior Loan Officer at Guild Mortgage, based in Marietta, GA. Licensed in Florida, confirmed with the state regulator (license LO136357). Also lists Georgia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, VA loan and Down payment assistance. Licensed since 2025 (per Florida records). States 39 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 39 (source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, 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

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html
- **VA loan** (`va`): lender page, confidence 0.68, verified 2026-10-09. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.24, verified 2026-10-09. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html

## About

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

## Facts from the lender page and intro

- years_experience: 39. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html, verified 2026-10-09.
- credential: First FHA direct endorsement underwriter in the United States Virgin Islands. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html, verified 2026-10-09.
- credential: Recognized top 10 in production and top 1% nationally by Scotsman Guide. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html, verified 2026-10-09.
- credential: President's Level status multiple times. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136357 | active | confirmed | 2025-03-19 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Marietta, GA. Source: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.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/208089

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html
- Office phone and Email on file: shown at https://lendb.ai/lo/pamela-rios-tabares-208089#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208089
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html

Cite as: Pam Rios (NMLS 208089), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/pamela-rios-tabares-208089, last verified 2026-10-09.

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