---
canonical_url: https://lendb.ai/lo/james-finley-502196
json_url: https://lendb.ai/lo/james-finley-502196.json
nmls_id: 502196
last_verified: 2026-10-16
---

# James Finley

AVP / Mortgage Loan Officer at Washington Trust Bank, Spokane, WA. NMLS ID 502196 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/502196)).

James Finley (NMLS 502196) is a mortgage loan officer at Washington Trust Bank in Spokane, Washington. James's own profile lists first-time buyer, self-employed and jumbo loan as a focus.

**Summary:** James Finley (NMLS 502196) is AVP / Mortgage Loan Officer at Washington Trust Bank, based in Spokane, 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, Self-employed and Jumbo loan. Last verified 2026-10-16.

## Quick answers

### Is James licensed?

James 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 James list first-time buyer as a focus?

James's profile lists first-time buyer as a focus (from their lender profile page). It also lists self-employed and jumbo loan. Source: https://www.watrust.com/james-finley.

### What lender does James work for?

Washington Trust Bank, company NMLS 728368, from the Spokane, WA office, per the lender's own site (verified 2026-10-16). Source: https://www.watrust.com/james-finley.

## 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 0.60, verified 2026-10-26. Source: https://www.watrust.com/james-finley
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.watrust.com/james-finley
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.55, verified 2026-10-26. Source: https://www.watrust.com/james-finley

## Facts from the lender page and intro

- community: Big Brothers and Sisters. Source: https://www.watrust.com/james-finley, verified 2026-10-16.
- community: Spokane Youth Sports Association, Coach. Source: https://www.watrust.com/james-finley, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Washington Trust Bank (NMLS 728368), Spokane, WA. Source: https://www.watrust.com/james-finley, 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/502196

## Contact

- View profile at Washington Trust Bank: https://www.watrust.com/james-finley
- Office phone and Email on file: shown at https://lendb.ai/lo/james-finley-502196#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/502196
- lender_site: https://www.watrust.com/james-finley

Cite as: James Finley (NMLS 502196), Washington Trust Bank. LenDb.ai, https://lendb.ai/lo/james-finley-502196, last verified 2026-10-16.

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