---
canonical_url: https://lendb.ai/lo/michelle-paxton-831343
json_url: https://lendb.ai/lo/michelle-paxton-831343.json
nmls_id: 831343
last_verified: 2026-10-24
---

# Michelle Paxton

Residential Loan Officer at Banner Bank, Folsom, CA. NMLS ID 831343 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831343)).

Michelle Paxton (NMLS 831343) is a Residential Loan Officer at Banner Bank in Folsom, California, licensed in California since 2015.

**Summary:** Michelle Paxton (NMLS 831343) is Residential Loan Officer at Banner Bank, based in Folsom, CA. Licensed in California, confirmed with the state regulator (license CA-DBO831343). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: November 4, 2015 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Michelle licensed in California?

Yes. California regulator records list license CA-DBO831343 as active, first effective November 4, 2015 (verified 2026-10-24). Source: https://dfpi.ca.gov/.

### What lender does Michelle work for?

Banner Bank, company NMLS 439266, from the Folsom, CA office, per the lender's own site (verified 2026-10-16). Source: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton.

### How long has Michelle been licensed?

The earliest state license record LenDb holds for Michelle is from November 4, 2015 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: November 4, 2015 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Michelle A. Paxton (CA, as of 2026-10-22)
- Licensed in: California (CA DFPI, confirmed)
- 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)

- None on file yet.

## About

Michelle Paxton has helped people with their lending goals since 2001. They host homebuyer seminars throughout the Sacramento area and teach financial education. Outside of work they enjoy water skiing and snow skiing.

Source: LenDb summary of the lender page, verified 2026-10-16.

## Facts from the lender page and intro

- years_experience: since 2001. Source: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton, verified 2026-10-16.
- service_area: Sacramento area. Source: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton, verified 2026-10-16.
- community: Teaches financial education. Source: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO831343 | active | confirmed | 2015-11-04 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: Banner Bank (NMLS 439266), Folsom, CA. Source: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton, 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/831343

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-paxton-831343#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831343
- state_regulator: https://dfpi.ca.gov/
- lender_site: https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton

Cite as: Michelle Paxton (NMLS 831343), Banner Bank. LenDb.ai, https://lendb.ai/lo/michelle-paxton-831343, last verified 2026-10-24.

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