---
canonical_url: https://lendb.ai/lo/tracy-white-405742
json_url: https://lendb.ai/lo/tracy-white-405742.json
nmls_id: 405742
last_verified: 2026-10-16
---

# Tracy White

Senior Loan Officer / Manager at 1st Security Bank of Washington, Poulsbo, WA. NMLS ID 405742 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/405742)).

Based in Poulsbo, Washington, Tracy White (NMLS 405742) is a mortgage loan officer at 1st Security Bank of Washington.

**Summary:** Tracy White (NMLS 405742) is Senior Loan Officer / Manager at 1st Security Bank of Washington, based in Poulsbo, WA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Last verified 2026-10-16.

## Quick answers

### Is Tracy licensed?

Tracy 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 Tracy work for?

1st Security Bank of Washington, company NMLS 761985, from the Poulsbo, WA office, per the lender's own site (verified 2026-10-16). Source: https://www.fsbwa.com/loan-officers/tracy-white.

## 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)

- None on file yet.

## Facts from the lender page and intro

- years_experience: since 1986. Source: https://www.fsbwa.com/loan-officers/tracy-white, verified 2026-10-16.
- role: leads the Poulsbo Home Lending team. Source: https://www.fsbwa.com/loan-officers/tracy-white, verified 2026-10-16.
- role: branch manager, from 1994. Source: https://www.fsbwa.com/loan-officers/tracy-white, verified 2026-10-16.
- credential: Member of Seattle Magazine’s Top Loan Officers. Source: https://www.fsbwa.com/loan-officers/tracy-white, verified 2026-10-16.
- credential: Annual member of the Chairman’s Club at Lynnwood Mortgage. Source: https://www.fsbwa.com/loan-officers/tracy-white, verified 2026-10-16.
- education: Olympic High School graduate. Source: https://www.fsbwa.com/loan-officers/tracy-white, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: 1st Security Bank of Washington (NMLS 761985), Poulsbo, WA. Source: https://www.fsbwa.com/loan-officers/tracy-white, 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/405742

## Contact

- application_url: https://mortgage.fsbwa.com/dr/c/34pfl (source: lender_site, verified 2026-10-26)
- View profile at 1st Security Bank of Washington: https://www.fsbwa.com/loan-officers/tracy-white
- Office phone and Email on file: shown at https://lendb.ai/lo/tracy-white-405742#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/405742
- lender_site: https://www.fsbwa.com/loan-officers/tracy-white

Cite as: Tracy White (NMLS 405742), 1st Security Bank of Washington. LenDb.ai, https://lendb.ai/lo/tracy-white-405742, last verified 2026-10-16.

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