---
canonical_url: https://lendb.ai/lo/zachary-hayes-1501687
json_url: https://lendb.ai/lo/zachary-hayes-1501687.json
nmls_id: 1501687
last_verified: 2026-10-09
---

# Zachary Hayes

Loan Officer at Guild Mortgage, Layton, UT. NMLS ID 1501687 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1501687)).

**Summary:** Zachary Hayes (NMLS 1501687) is Loan Officer at Guild Mortgage, based in Layton, UT. Lists Idaho and Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and Down payment assistance. 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: Idaho (ID, 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

- **VA loan** (`va`): lender page, confidence 0.68, verified 2026-10-09. Source: https://branches.guildmortgage.com/ut/layton/zachary-hayes-547-hpzh.html
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.24, verified 2026-10-09. Source: https://branches.guildmortgage.com/ut/layton/zachary-hayes-547-hpzh.html

## About

Zachary Hayes is a Loan Officer at Guild Mortgage with a focus on providing customized mortgage solutions including conventional, down payment assistance, and VA loans. As a direct lender, he manages loan files from start to finish with emphasis on clear communication and competitive rates.

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

## Facts from the lender page and intro

- other: Guild Mortgage is a direct lender with local processing, underwriting, closings and funding handled in-house. Source: https://branches.guildmortgage.com/ut/layton/zachary-hayes-547-hpzh.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| ID | 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), Layton, UT. Source: https://branches.guildmortgage.com/ut/layton/zachary-hayes-547-hpzh.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/1501687

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/ut/layton/zachary-hayes-547-hpzh.html
- Office phone and Email on file: shown at https://lendb.ai/lo/zachary-hayes-1501687#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1501687
- lender_site: https://branches.guildmortgage.com/ut/layton/zachary-hayes-547-hpzh.html

Cite as: Zachary Hayes (NMLS 1501687), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/zachary-hayes-1501687, last verified 2026-10-09.

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