---
canonical_url: https://lendb.ai/lo/sandra-denise-smith-255924
json_url: https://lendb.ai/lo/sandra-denise-smith-255924.json
nmls_id: 255924
last_verified: 2026-10-09
---

# Sandra Denise Smith

Senior Loan Officer at Guild Mortgage, Walnut Creek, CA. NMLS ID 255924 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255924)).

**Summary:** 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 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)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html
- **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html
- **HELOC** (`heloc`): lender page, confidence 0.85, verified 2026-10-09. Source: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html

## 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.

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

## Facts from the lender page and intro

- service_area: California. Source: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.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 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Walnut Creek, CA. Source: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.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/255924

## Contact

- linkedin_url: https://www.linkedin.com/in/sandra-smith-195a1b/ (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html
- Office phone and Email on file: shown at https://lendb.ai/lo/sandra-denise-smith-255924#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255924
- lender_site: https://branches.guildmortgage.com/ca/walnutcreek/sandra-smith-141-rass.html

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

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