{
  "canonical_url": "https://lendb.ai/lo/terri-montana-507145",
  "lede": {
    "text": "Terri Montana, NMLS 507145, works as a Residential Loan Officer at Banner Bank in Everett, Washington. Terri's lender page shows a focus on construction loan, first-time buyer and real estate investor.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Terri licensed?",
      "a": "Terri works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Terri do construction loans?",
      "a": "Terri's profile lists construction loan as a focus (from their lender profile page). It also lists first-time buyer and real estate investor.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Terri work for?",
      "a": "Banner Bank, company NMLS 439266, from the Everett, WA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 507145,
    "slug": "terri-montana-507145",
    "canonical_url": "https://lendb.ai/lo/terri-montana-507145",
    "md_url": "https://lendb.ai/lo/terri-montana-507145.md",
    "json_url": "https://lendb.ai/lo/terri-montana-507145.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/507145",
    "full_name": {
      "value": "Terri Montana",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "first_name": "Terri",
    "last_name": "Montana",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/FnRHSvEbHB_5h7uqxh2DFjwO0vwQyI08wIe9lbdNOmU/404x408.jpg",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Terri Montana is a Residential Loan Officer in Everett, WA. They have served clients since 1988 and enjoy helping first time homebuyers. They also assist with construction, lot and land loans and investment property financing, and have bought, built and sold commercial and residential properties.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Residential Loan Officer",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Everett",
      "branch_state": "WA",
      "branch_zip": "98201",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Everett",
        "branch_state": "WA",
        "branch_zip": "98201",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1988",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:18:31.260455+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/terri-montana-507145#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/wa/everett/terri-montana",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}