---
canonical_url: https://lendb.ai/lo/andy-garcia-851891
json_url: https://lendb.ai/lo/andy-garcia-851891.json
nmls_id: 851891
last_verified: 2026-10-09
---

# Andy Garcia

Mortgage Loan Officer at TowneBank Mortgage, Charlotte, NC. NMLS ID 851891 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/851891)).

**Summary:** 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 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: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## 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.

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

## Facts from the lender page and intro

- years_experience: over 15. Source: https://townebankmortgage.com/officers/andy-garcia/, verified 2026-10-09.
- service_area: Charlotte, North Carolina region. Source: https://townebankmortgage.com/officers/andy-garcia/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: TowneBank Mortgage (NMLS 512138), Charlotte, NC. Source: https://townebankmortgage.com/officers/andy-garcia/, 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/851891

## Contact

- linkedin_url: https://www.linkedin.com/in/andy-garcia-502b00166/ (source: lender_site, verified 2026-10-09)
- View profile at TowneBank Mortgage: https://townebankmortgage.com/officers/andy-garcia/
- Office phone and Email on file: shown at https://lendb.ai/lo/andy-garcia-851891#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/851891
- lender_site: https://townebankmortgage.com/officers/andy-garcia/

Cite as: Andy Garcia (NMLS 851891), TowneBank Mortgage. LenDb.ai, https://lendb.ai/lo/andy-garcia-851891, last verified 2026-10-09.

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