Fernando Espina
Loan Officer | Home Foundations Program Specialist at Banner Bank · Edmonds, WA
NMLS ID 846379 (opens in a new tab) · verify at NMLS Consumer Access
Fernando Espina (NMLS 846379) is a mortgage loan officer at Banner Bank in Edmonds, Washington. Fernando's own profile lists first-time buyer as a focus.
Last verified . Sources: Banner Bank (loanofficers.bannerbank.com) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Fernando licensed?
- Fernando 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
- Does Fernando list first-time buyer as a focus?
- Fernando's profile lists first-time buyer as a focus (from their lender profile page).
- Source: lender page (opens in a new tab)
- What lender does Fernando work for?
- Banner Bank, company NMLS 439266, from the Edmonds, WA office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
Specialties
Focus
Where we saw these: loanofficers.bannerbank.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
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
Banner Bank NMLS 439266
Current · Edmonds, WA · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Education
- Finance degree, Washington State University
- Source (opens in a new tab), verified 2026-10-16
- Community
- Habitat for Humanity projects in the greater Seattle area
- Source (opens in a new tab), verified 2026-10-16
Sources
| Name and employer | lender site · loanofficers.bannerbank.com (opens in a new tab) | verified 2026-10-16 |
| Specialties | lender site · loanofficers.bannerbank.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · loanofficers.bannerbank.com (opens in a new tab) | verified 2026-10-16 |
| Photo | lender site · loanofficers.bannerbank.com (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Fernando Espina (NMLS 846379), Banner Bank. LenDb.ai, https://lendb.ai/lo/fernando-espina-846379, last verified 2026-10-16.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.