--- canonical_url: https://lendb.ai/lo/iris-legaspi-690505 json_url: https://lendb.ai/lo/iris-legaspi-690505.json nmls_id: 690505 last_verified: 2026-10-09 --- # Iris Legaspi Mortgage Banker Market Specialist at First Citizens Bank, San Diego, CA. NMLS ID 690505 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/690505)). **Summary:** Iris Legaspi (NMLS 690505) is Mortgage Banker Market Specialist at First Citizens Bank, based in San Diego, CA. Lists Alabama, Arizona, California, Colorado, District of Columbia, Florida, Georgia, Hawaii and 27 more on the lender page (not yet checked with the state regulator). 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: Down payment assistance, Physician and medical professional, HELOC, Self-employed and Jumbo loan. 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: Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), District of Columbia (DC, lender_reported), Florida (FL, lender_reported), Georgia (GA, lender_reported), Hawaii (HI, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported), Kansas (KS, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), New Jersey (NJ, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), West Virginia (WV, lender_reported), Wyoming (WY, lender_reported) - 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 - Profile: unclaimed - Status: active ## Specialties - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - **Physician and medical professional** (`physician`): lender page, confidence 0.90, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - **HELOC** (`heloc`): lender page, confidence 0.85, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi ## About Iris has 17+ years in financial services helping clients achieve homeownership and refinancing goals. Active member of AREAA, CAREB, and NAREB, she specializes in first-time homebuyers, grant programs, down payment assistance, and medical professionals. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 17+. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi, verified 2026-10-09. - education: Bachelor's degree from California State University San Marcos. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi, verified 2026-10-09. - credential: Active member of AREAA (Asian Real Estate Association of America), CAREB (California Association of Real Estate Brokers), and NAREB (National Association of Real Estate Brokers). Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi, verified 2026-10-09. - community: Volunteers with Feeding America, San Diego Food Bank, Junior Achievement, Alliance San Diego, and Volunteer San Diego. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | FL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | UT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: First Citizens Bank (NMLS 503941), San Diego, CA. Source: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi, 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/690505 ## Contact - View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi - Office phone and Email on file: shown at https://lendb.ai/lo/iris-legaspi-690505#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/690505 - lender_site: https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi Cite as: Iris Legaspi (NMLS 690505), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/iris-legaspi-690505, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._