{
  "canonical_url": "https://lendb.ai/lo/melissa-caci-173535",
  "loan_officer": {
    "nmls_id": 173535,
    "slug": "melissa-caci-173535",
    "canonical_url": "https://lendb.ai/lo/melissa-caci-173535",
    "md_url": "https://lendb.ai/lo/melissa-caci-173535.md",
    "json_url": "https://lendb.ai/lo/melissa-caci-173535.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173535",
    "full_name": {
      "value": "Melissa Caci",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
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    "last_name": "Caci",
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/52612bb5-4078-4488-ae2c-73c03f992a92/Melissa-Caci_370x463.png?width=370&height=463&ext=.png",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Melissa Caci is an AVP and Mortgage Loan Officer in Andover, MA. They have nearly 25 years in the mortgage business, including work as a Loan Originator and Branch Manager, and serve Andover and the Greater Boston area. Their profile notes a ranking among the top 1% of originators nationwide, per Mortgage Executive Magazine.",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "AVP, Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
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      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
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    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
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      "lender_name": "Bangor Savings Bank",
      "lender_slug": "bangor-savings-bank-449200",
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      "branch_state": "MA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 449200,
        "lender_name": "Bangor Savings Bank",
        "lender_slug": "bangor-savings-bank-449200",
        "branch_city": "Andover",
        "branch_state": "MA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Loan Originator and Branch Manager",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Top 1% of Originators nationwide by Mortgage Executive Magazine",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Top 100 list for NAMMBA",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Scotsman Guide Top Originators rankings",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Andover, MA and surrounding areas including Greater Boston, Middlesex, Essex, and Suffolk counties",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:23:44.575502+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/melissa-caci-173535#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://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/",
      "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"
    }
  }
}