---
canonical_url: https://lendb.ai/lo/richard-molloy-3796
json_url: https://lendb.ai/lo/richard-molloy-3796.json
nmls_id: 3796
last_verified: 2026-10-16
---

# Rich Molloy "Team Towery"

Residential Loan Officer at Banner Bank, San Diego, CA. NMLS ID 3796 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/3796)).

Based in San Diego, California, Rich Molloy "Team Towery" (NMLS 3796) is a Residential Loan Officer at Banner Bank.

**Summary:** Rich Molloy "Team Towery" (NMLS 3796) is Residential Loan Officer 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. Earliest state license record: September 10, 2012 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Rich licensed?

Rich 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.

### What lender does Rich 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/rich-molloy.

### How long has Rich been licensed?

The earliest state license record LenDb holds for Rich is from September 10, 2012 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Rich states 20 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: September 10, 2012 (Florida), per state regulator. 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/rich-molloy, verified 2026-10-16)
- Also licensed as (state regulator records, same NMLS ID): Richard A. Molloy (FL, as of 2026-10-09)
- 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)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 20. Source: https://loanofficers.bannerbank.com/ca/san-diego/rich-molloy, verified 2026-10-16.
- other: Has worked with a variety of loan products. Source: https://loanofficers.bannerbank.com/ca/san-diego/rich-molloy, verified 2026-10-16.
- community: Board of Directors, Mission Bay Youth Baseball; coaches youth baseball. Source: https://loanofficers.bannerbank.com/ca/san-diego/rich-molloy, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO16274 | expired | confirmed | 2012-09-10 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Banner Bank (NMLS 439266), San Diego, CA. Source: https://loanofficers.bannerbank.com/ca/san-diego/rich-molloy, 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/3796

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/ca/san-diego/rich-molloy
- Email on file: shown at https://lendb.ai/lo/richard-molloy-3796#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/3796
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://loanofficers.bannerbank.com/ca/san-diego/rich-molloy

Cite as: Rich Molloy "Team Towery" (NMLS 3796), Banner Bank. LenDb.ai, https://lendb.ai/lo/richard-molloy-3796, last verified 2026-10-16.

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