---
canonical_url: https://lendb.ai/lo/spencer-mc-valerio-305514
json_url: https://lendb.ai/lo/spencer-mc-valerio-305514.json
nmls_id: 305514
last_verified: 2026-10-09
---

# Spencer MC Valerio

Loan Officer at Guild Mortgage, Cedar City, UT. NMLS ID 305514 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/305514)).

**Summary:** Spencer MC Valerio (NMLS 305514) is Loan Officer at Guild Mortgage, based in Cedar City, UT. Lists Arizona, California, Montana, New Mexico, Nevada and Utah on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Montana (MT, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Spencer helps families with smooth, organized, and stress-free home financing. The team is known for being responsive, knowledgeable, and available through the entire process.

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

## Facts from the lender page and intro

- credential: Circle of Honor award recipient. Source: https://branches.guildmortgage.com/ut/cedarcity/spencer-valerio-117-vgsv.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NM | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | 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), Cedar City, UT. Source: https://branches.guildmortgage.com/ut/cedarcity/spencer-valerio-117-vgsv.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/305514

## Contact

- linkedin_url: https://www.linkedin.com/in/spencervaleriolasvegas/ (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/ut/cedarcity/spencer-valerio-117-vgsv.html
- Office phone and Email on file: shown at https://lendb.ai/lo/spencer-mc-valerio-305514#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/305514
- lender_site: https://branches.guildmortgage.com/ut/cedarcity/spencer-valerio-117-vgsv.html

Cite as: Spencer MC Valerio (NMLS 305514), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/spencer-mc-valerio-305514, last verified 2026-10-09.

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