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Sandra Denise Smith, photo from Guild Mortgage

Sandra Denise Smith

Senior Loan Officer at Guild Mortgage · Walnut Creek, CA

NMLS ID 255924 (opens in a new tab) · verify at NMLS Consumer Access

Sandra Denise Smith (NMLS 255924) is Senior Loan Officer at Guild Mortgage, based in Walnut Creek, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Reverse mortgage and HELOC.

Last verified . Sources: Guild Mortgage (branches.guildmortgage.com) and NMLS Consumer Access (license status, check live).

Specialties

Where we saw these: branches.guildmortgage.com (opens in a new tab)

Evidence levels, strongest first: production data, lender page, self-reported.

Languages

Not listed

Licensed states

AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

California

Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.

Contact

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View profile at Guild Mortgage (opens in a new tab)

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Employment history

  1. Guild Mortgage NMLS 3274

    Current · Walnut Creek, CA · seen on lender site 2026-10-09

Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

About

Sandra is a licensed Senior Loan Officer in Walnut Creek, CA, with years of experience helping individuals and families achieve homeownership. She specializes in home purchase loans for first-time and repeat buyers, refinancing solutions including fixed equity lines, and reverse mortgages for retirees.

Our summary of the lender page. Verified 2026-10-09.

Serves
California
Source (opens in a new tab), verified 2026-10-09

Sources

Name and employerlender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
Licensed stateslender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
Specialtieslender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
Summarylender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
Contactlender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
Photolender site · branches.guildmortgage.com (opens in a new tab)verified 2026-10-09
License statusNMLS Consumer Access (opens in a new tab)check live

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Cite as: Sandra Denise Smith (NMLS 255924), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/sandra-denise-smith-255924, last verified 2026-10-09.

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