---
canonical_url: https://lendb.ai/lo/monica-lay-720624
json_url: https://lendb.ai/lo/monica-lay-720624.json
nmls_id: 720624
last_verified: 2026-10-16
---

# Monica Lay

Residential Loan Officer at Banner Bank, Spokane, WA. NMLS ID 720624 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/720624)).

Based in Spokane, Washington, Monica Lay (NMLS 720624) is a Residential Loan Officer at Banner Bank. Monica's focus, from their own profile, includes first-time buyer.

**Summary:** Monica Lay (NMLS 720624) is Residential Loan Officer at Banner 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. States 27 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Monica licensed?

Monica 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 Monica list first-time buyer as a focus?

Monica's profile lists first-time buyer as a focus (from their lender profile page). Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay.

### What lender does Monica work for?

Banner Bank, company NMLS 439266, from the Spokane, WA office, per the lender's own site (verified 2026-10-16). Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay.

### How much experience does Monica have?

Monica states 27 years of experience. Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay.

## 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): 27 (source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay, 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay

## Facts from the lender page and intro

- years_experience: 27. Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay, verified 2026-10-16.
- community: Friends of the Library, area schools, Big Brothers/Big Sisters. Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Banner Bank (NMLS 439266), Spokane, WA. Source: https://loanofficers.bannerbank.com/wa/spokane/monica-lay, 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/720624

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/wa/spokane/monica-lay
- Email on file: shown at https://lendb.ai/lo/monica-lay-720624#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/720624
- lender_site: https://loanofficers.bannerbank.com/wa/spokane/monica-lay

Cite as: Monica Lay (NMLS 720624), Banner Bank. LenDb.ai, https://lendb.ai/lo/monica-lay-720624, last verified 2026-10-16.

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