---
canonical_url: https://lendb.ai/lo/erica-r-pallardy-1299891
json_url: https://lendb.ai/lo/erica-r-pallardy-1299891.json
nmls_id: 1299891
last_verified: 2026-10-16
---

# Erica R. Pallardy

AVP, Mortgage Loan Officer II at First Mid Bank & Trust, St Charles, MO. NMLS ID 1299891 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1299891)).

Erica R. Pallardy (NMLS 1299891) is a mortgage loan officer at First Mid Bank & Trust in St Charles, Missouri.

**Summary:** Erica R. Pallardy (NMLS 1299891) is AVP, Mortgage Loan Officer II at First Mid Bank & Trust, based in St Charles, MO. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 20 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Erica licensed?

Erica works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Erica work for?

First Mid Bank & Trust, company NMLS 411170, from the St Charles, MO office, per the lender's own site (verified 2026-10-16). Source: https://www.firstmid.com/staff/erica-r-pallardy.

### How much experience does Erica have?

Erica states 20 years of experience. Source: https://www.firstmid.com/staff/erica-r-pallardy.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.firstmid.com/staff/erica-r-pallardy, verified 2026-10-16)
- 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: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.firstmid.com/staff/erica-r-pallardy, verified 2026-10-16.
- other: has performed almost every role inside a mortgage company. Source: https://www.firstmid.com/staff/erica-r-pallardy, verified 2026-10-16.
- community: Manchester Elks affiliate member. Source: https://www.firstmid.com/staff/erica-r-pallardy, verified 2026-10-16.
- community: Board Member for the First Capitol Lions. Source: https://www.firstmid.com/staff/erica-r-pallardy, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: First Mid Bank & Trust (NMLS 411170), St Charles, MO. Source: https://www.firstmid.com/staff/erica-r-pallardy, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1299891

## Contact

- View profile at First Mid Bank & Trust: https://www.firstmid.com/staff/erica-r-pallardy
- Office phone and Email on file: shown at https://lendb.ai/lo/erica-r-pallardy-1299891#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1299891
- lender_site: https://www.firstmid.com/staff/erica-r-pallardy

Cite as: Erica R. Pallardy (NMLS 1299891), First Mid Bank & Trust. LenDb.ai, https://lendb.ai/lo/erica-r-pallardy-1299891, last verified 2026-10-16.

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