---
canonical_url: https://lendb.ai/lo/sheila-garay-1465850
json_url: https://lendb.ai/lo/sheila-garay-1465850.json
nmls_id: 1465850
last_verified: 2026-10-09
---

# Sheila Garay

Credit Solutions Advisor, Assistant Vice President at Bank of America, Miami, FL. NMLS ID 1465850 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1465850)).

**Summary:** Sheila Garay (NMLS 1465850) is Credit Solutions Advisor, Assistant Vice President at Bank of America, based in Miami, FL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not 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
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

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

## Employment history

- ? to present: Bank of America (NMLS 399802), Miami, FL. Source: https://mortgage.bankofamerica.com/sheila-garay, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1465850

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/sheila-garay
- Office phone on file: shown at https://lendb.ai/lo/sheila-garay-1465850#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1465850
- lender_site: https://mortgage.bankofamerica.com/sheila-garay

Cite as: Sheila Garay (NMLS 1465850), Bank of America. LenDb.ai, https://lendb.ai/lo/sheila-garay-1465850, last verified 2026-10-09.

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