{
  "canonical_url": "https://lendb.ai/lo/jim-kelley-22227",
  "loan_officer": {
    "nmls_id": 22227,
    "slug": "jim-kelley-22227",
    "canonical_url": "https://lendb.ai/lo/jim-kelley-22227",
    "md_url": "https://lendb.ai/lo/jim-kelley-22227.md",
    "json_url": "https://lendb.ai/lo/jim-kelley-22227.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22227",
    "full_name": {
      "value": "Jim Kelley",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Jim",
    "last_name": "Kelley",
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/b7914eb8-a806-4518-a3de-d36932c017d6/Jim-Kelley.jpg?width=3168&height=4113&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Jim Kelley is an AVP and Senior Mortgage Loan Officer in Andover, MA with over 33 years of experience in mortgage lending. They serve the North Shore MA area, including greater Boston, Lawrence, Methuen, Lowell, Danvers, and Woburn. Outside of work they enjoy golf.",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "AVP, Senior Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "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": 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/jim-kelley/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "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/jim-kelley/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Andover, MA and surrounding North Shore MA communities including greater Boston area, Lawrence, Methuen, Lowell, Danvers, Woburn",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:25:03.511353+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jim-kelley-22227#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/jim-kelley/",
      "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"
    }
  }
}