--- canonical_url: https://lendb.ai/lo/heather-england-1046037 json_url: https://lendb.ai/lo/heather-england-1046037.json nmls_id: 1046037 last_verified: 2026-10-16 --- # Heather England Residential Loan Officer at Banner Bank, Eagle Point, OR. NMLS ID 1046037 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1046037)). Heather England, NMLS 1046037, works as a Residential Loan Officer at Banner Bank in Eagle Point, Oregon. Heather's lender page shows a focus on new construction, first-time buyer and down payment assistance. **Summary:** Heather England (NMLS 1046037) is Residential Loan Officer at Banner Bank, based in Eagle Point, OR. 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: New construction, First-time buyer and Down payment assistance. Last verified 2026-10-16. ## Quick answers ### Is Heather licensed? Heather 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 Heather work on new construction loans? Heather's profile lists new construction as a focus (from their lender profile page). It also lists first-time buyer and down payment assistance. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england. ### What lender does Heather work for? Banner Bank, company NMLS 439266, from the Eagle Point, OR office, per the lender's own site (verified 2026-10-16). Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england. ## 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) - **New construction** (`new-construction`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england ## Facts from the lender page and intro - years_experience: since 1993. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england, verified 2026-10-16. - credential: Oregon State Notary Commission License. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england, verified 2026-10-16. - other: assisted with appraiser education. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england, verified 2026-10-16. - community: volunteers with Access Community Services in Medford, Ore.. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england, verified 2026-10-16. - community: blood drive volunteer with American Red Cross. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Banner Bank (NMLS 439266), Eagle Point, OR. Source: https://loanofficers.bannerbank.com/or/eagle-point/heather-england, 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/1046037 ## Contact - View profile at Banner Bank: https://loanofficers.bannerbank.com/or/eagle-point/heather-england - Email on file: shown at https://lendb.ai/lo/heather-england-1046037#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1046037 - lender_site: https://loanofficers.bannerbank.com/or/eagle-point/heather-england Cite as: Heather England (NMLS 1046037), Banner Bank. LenDb.ai, https://lendb.ai/lo/heather-england-1046037, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._