Andy Garcia
Mortgage Loan Officer at TowneBank Mortgage · Charlotte, NC
NMLS ID 851891 (opens in a new tab) · verify at NMLS Consumer Access
Andy Garcia (NMLS 851891) is Mortgage Loan Officer at TowneBank Mortgage, based in Charlotte, NC. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish.
Last verified . Sources: TowneBank Mortgage (townebankmortgage.com) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- Spanish
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
TowneBank Mortgage NMLS 512138
Current · Charlotte, NC · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Andy has over 15 years of banking experience spanning retail and small business lending. He specializes in conventional loans, first-time homebuyer programs, ITIN mortgages, debt consolidation, and assistance for self-employed individuals and young professionals.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · townebankmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Andy Garcia (NMLS 851891), TowneBank Mortgage. LenDb.ai, https://lendb.ai/lo/andy-garcia-851891, last verified 2026-10-09.
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