---
canonical_url: https://lendb.ai/lo/william-ratchford-2805043
json_url: https://lendb.ai/lo/william-ratchford-2805043.json
nmls_id: 2805043
last_verified: 2026-10-16
---

# William Ratchford

Residential Loan Officer at Banner Bank, Boise, ID. NMLS ID 2805043 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2805043)).

William Ratchford (NMLS 2805043) is a Residential Loan Officer at Banner Bank in Boise, Idaho.

**Summary:** William Ratchford (NMLS 2805043) is Residential Loan Officer at Banner Bank, based in Boise, ID. 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 William licensed?

William 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 William work for?

Banner Bank, company NMLS 439266, from the Boise, ID office, per the lender's own site (verified 2026-10-16). Source: https://loanofficers.bannerbank.com/id/boise/william-ratchford.

## 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.

## Licenses

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

## Employment history

- ? to present: Banner Bank (NMLS 439266), Boise, ID. Source: https://loanofficers.bannerbank.com/id/boise/william-ratchford, 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/2805043

## Contact

- View profile at Banner Bank: https://loanofficers.bannerbank.com/id/boise/william-ratchford
- Office phone and Email on file: shown at https://lendb.ai/lo/william-ratchford-2805043#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2805043
- lender_site: https://loanofficers.bannerbank.com/id/boise/william-ratchford

Cite as: William Ratchford (NMLS 2805043), Banner Bank. LenDb.ai, https://lendb.ai/lo/william-ratchford-2805043, last verified 2026-10-16.

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