---
canonical_url: https://lendb.ai/lo/ray-woo-518808
json_url: https://lendb.ai/lo/ray-woo-518808.json
nmls_id: 518808
last_verified: 2026-10-16
---

# Ray Woo

Residential Loan Officer at Banner Bank, Bellevue, WA. NMLS ID 518808 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518808)).

Ray Woo, NMLS 518808, works as a Residential Loan Officer at Banner Bank in Bellevue, Washington. Ray's lender page shows a focus on construction loan.

**Summary:** Ray Woo (NMLS 518808) is Residential Loan Officer at Banner Bank, based in Bellevue, 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: Construction loan. Last verified 2026-10-16.

## Quick answers

### Is Ray licensed?

Ray 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 Ray do construction loans?

Ray's profile lists construction loan as a focus (from their lender profile page). Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo.

### What lender does Ray work for?

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

## 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)

- **Construction loan** (`construction`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo

## Facts from the lender page and intro

- years_experience: since 1992. Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo, verified 2026-10-16.
- service_area: Oregon, Washington, Idaho and California. Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo, verified 2026-10-16.
- credential: Banner's Best Award. Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo, verified 2026-10-16.
- credential: Seattle area's Five Star Mortgage Professional Award. Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Banner Bank (NMLS 439266), Bellevue, WA. Source: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo, 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/518808

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo
- Email on file: shown at https://lendb.ai/lo/ray-woo-518808#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518808
- lender_site: https://loanofficers.bannerbank.com/wa/bellevue/ray-woo

Cite as: Ray Woo (NMLS 518808), Banner Bank. LenDb.ai, https://lendb.ai/lo/ray-woo-518808, last verified 2026-10-16.

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