---
canonical_url: https://lendb.ai/lo/fernando-espina-846379
json_url: https://lendb.ai/lo/fernando-espina-846379.json
nmls_id: 846379
last_verified: 2026-10-16
---

# Fernando Espina

Loan Officer | Home Foundations Program Specialist at Banner Bank, Edmonds, WA. NMLS ID 846379 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/846379)).

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.

**Summary:** Fernando Espina (NMLS 846379) is Loan Officer | Home Foundations Program Specialist at Banner Bank, based in Edmonds, WA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-16.

## 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: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina.

### 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: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina.

## 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.
- 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina

## Facts from the lender page and intro

- years_experience: since 2005. Source: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina, verified 2026-10-16.
- education: Finance degree, Washington State University. Source: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina, verified 2026-10-16.
- community: Habitat for Humanity projects in the greater Seattle area. Source: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Banner Bank (NMLS 439266), Edmonds, WA. Source: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina, 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/846379

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina
- Email on file: shown at https://lendb.ai/lo/fernando-espina-846379#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/846379
- lender_site: https://loanofficers.bannerbank.com/wa/edmonds/fernando-espina

Cite as: Fernando Espina (NMLS 846379), Banner Bank. LenDb.ai, https://lendb.ai/lo/fernando-espina-846379, last verified 2026-10-16.

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