---
canonical_url: https://lendb.ai/lo/matt-towery-276667
json_url: https://lendb.ai/lo/matt-towery-276667.json
nmls_id: 276667
last_verified: 2026-10-16
---

# Matt Towery

VP, Residential Loan Officer | Team Towery at Banner Bank, San Diego, CA. NMLS ID 276667 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/276667)).

Matt Towery, NMLS 276667, works as a mortgage loan officer at Banner Bank in San Diego, California. Matt's lender page shows a focus on construction loan.

**Summary:** Matt Towery (NMLS 276667) is VP, Residential Loan Officer | Team Towery at Banner Bank, based in San Diego, CA. 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: Construction loan. States 20 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Matt licensed?

Matt 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 Matt do construction loans?

Matt's profile lists construction loan as a focus (from their lender profile page). Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery.

### What lender does Matt work for?

Banner Bank, company NMLS 439266, from the San Diego, CA office, per the lender's own site (verified 2026-10-16). Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery.

### How much experience does Matt have?

Matt states 20 years of experience. Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery.

## 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.
- Years experience (stated by the LO): 20 (source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery, verified 2026-10-16)
- 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)

- **Construction loan** (`construction`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery

## Facts from the lender page and intro

- years_experience: 20. Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery, verified 2026-10-16.
- service_area: Southern California. Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Banner Bank (NMLS 439266), San Diego, CA. Source: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery, 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/276667

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery
- Office phone and Email on file: shown at https://lendb.ai/lo/matt-towery-276667#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/276667
- lender_site: https://loanofficers.bannerbank.com/ca/san-diego/matt-towery

Cite as: Matt Towery (NMLS 276667), Banner Bank. LenDb.ai, https://lendb.ai/lo/matt-towery-276667, last verified 2026-10-16.

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