{
  "canonical_url": "https://lendb.ai/lo/terri-montana-507145",
  "loan_officer": {
    "nmls_id": 507145,
    "slug": "terri-montana-507145",
    "canonical_url": "https://lendb.ai/lo/terri-montana-507145",
    "md_url": "https://lendb.ai/lo/terri-montana-507145.md",
    "json_url": "https://lendb.ai/lo/terri-montana-507145.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/507145",
    "full_name": {
      "value": "Terri Montana",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "first_name": "Terri",
    "last_name": "Montana",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/FnRHSvEbHB_5h7uqxh2DFjwO0vwQyI08wIe9lbdNOmU/404x408.jpg",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Terri Montana is a Residential Loan Officer in Everett, WA. They have served clients since 1988 and enjoy helping first time homebuyers. They also assist with construction, lot and land loans and investment property financing, and have bought, built and sold commercial and residential properties.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Residential Loan Officer",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Everett",
      "branch_state": "WA",
      "branch_zip": "98201",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Everett",
        "branch_state": "WA",
        "branch_zip": "98201",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1988",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:18:31.260455+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/terri-montana-507145#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}