---
canonical_url: https://lendb.ai/lo/ruben-garcia-506477
json_url: https://lendb.ai/lo/ruben-garcia-506477.json
nmls_id: 506477
last_verified: 2026-10-16
---

# Ruben Garcia

Residential Loan Officer, Se habla español at Banner Bank, Pasco, WA. NMLS ID 506477 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/506477)).

Ruben Garcia, NMLS 506477, works as a mortgage loan officer at Banner Bank in Pasco, Washington. Ruben's lender page shows a focus on first-time buyer, and Ruben speaks Spanish.

**Summary:** Ruben Garcia (NMLS 506477) is Residential Loan Officer, Se habla español at Banner Bank, based in Pasco, 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. Speaks Spanish. Last verified 2026-10-16.

## Quick answers

### Is Ruben licensed?

Ruben 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 Ruben list first-time buyer as a focus?

Ruben's profile lists first-time buyer as a focus (from their lender profile page). Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia.

### What lender does Ruben work for?

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

### What languages does Ruben speak?

Spanish, per their lender page (verified 2026-10-16). Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia.

## 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: Spanish (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 0.85, verified 2026-10-26. Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia

## Facts from the lender page and intro

- years_experience: since 2000. Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia, verified 2026-10-16.
- education: Mechanical engineering degree, Mexico, 1988. Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia, verified 2026-10-16.
- credential: Banner's Best Award, several years in a row. Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Banner Bank (NMLS 439266), Pasco, WA. Source: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia, 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/506477

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia
- Office phone and Email on file: shown at https://lendb.ai/lo/ruben-garcia-506477#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/506477
- lender_site: https://loanofficers.bannerbank.com/wa/pasco/ruben-garcia

Cite as: Ruben Garcia (NMLS 506477), Banner Bank. LenDb.ai, https://lendb.ai/lo/ruben-garcia-506477, last verified 2026-10-16.

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