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Licensing Information

NMLS ID#856322 NMLS ID#999521
I am licensed to do business in the state of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Gay C McPhail NMLS 377375
Phone: 808-780-3135
Central Pacific Bank
NMLS 416603
225 Queen Street 5th Floor
Honolulu HI 96813

Nowadays, getting a mortgage loan can be very overwhelming. With all the regulations and requirements, even a well-qualified borrower may feel frustrated or discouraged. But, that’s exactly where Gay McPhail has built her reputation – as someone who can get the job done! An industry veteran since 1994, Gay enjoys helping each client understand their options and ensuring a seamless loan process from application to closing. Her experience and expertise working with borrowers with sophisticated needs and complex transactions have proven invaluable to clients. Gay treats all her clients with care and individual attention. They are not just customers; many have become life-long friends.


I wanted to thank Gay for helping Amanda and me find, afford, and purchase our new home.  We have never worked with such a kind and professional [team] before, and we truly appreciate all that you have done to make this purchase possible.” Ben and Amanda


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