{
  "canonical_url": "https://lendb.ai/lang/es/massachusetts",
  "summary": "As of 2026-10-26, LenDb lists 24 loan officers licensed in or based in Massachusetts whose lender pages say they speak Spanish. The top-ranked are Sebastian Cordoba (CrossCountry Mortgage, Lexington), Lourdes Connolly (Bangor Savings Bank, Andover) and Lucrecia Perez (Bangor Savings Bank, Andover). Ranking is lender-neutral: a license in MA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "es",
  "state": "MA",
  "total": 24,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 1485371,
        "slug": "sebastian-cordoba-1485371",
        "full_name": "Sebastian Cordoba",
        "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
        "json_url": "https://lendb.ai/lo/sebastian-cordoba-1485371.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/m/1381111c97b795fc/Website-4841_Cordoba_1485371.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-02-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 9,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "Office in Lexington, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1485371), verified 2026-10-26",
        "Earliest state license record: February 2, 2026 (Florida), per state regulator",
        "States 9 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1485371), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 2,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 466531,
        "slug": "lourdes-connolly-466531",
        "full_name": "Lourdes Connolly",
        "canonical_url": "https://lendb.ai/lo/lourdes-connolly-466531",
        "json_url": "https://lendb.ai/lo/lourdes-connolly-466531.json",
        "lender": {
          "nmls_id": 449200,
          "name": "Bangor Savings Bank",
          "slug": "bangor-savings-bank-449200",
          "canonical_url": "https://lendb.ai/lender/bangor-savings-bank-449200",
          "type": "bank"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "headshot_url": "https://www.bangor.com/getmedia/51783bfe-452c-4aa1-9f17-e5b2ceef928e/Lourdes-Connolly-370x463.png?width=370&height=463&ext=.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/lourdes-connolly/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Andover, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/lourdes-connolly-466531",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 1240080,
        "slug": "lucrecia-perez-1240080",
        "full_name": "Lucrecia Perez",
        "canonical_url": "https://lendb.ai/lo/lucrecia-perez-1240080",
        "json_url": "https://lendb.ai/lo/lucrecia-perez-1240080.json",
        "lender": {
          "nmls_id": 449200,
          "name": "Bangor Savings Bank",
          "slug": "bangor-savings-bank-449200",
          "canonical_url": "https://lendb.ai/lender/bangor-savings-bank-449200",
          "type": "bank"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "headshot_url": "https://www.bangor.com/getmedia/eebd2511-0529-4a40-a116-1a6156ac277f/Lucrecia-Perez_370x463.png?width=370&height=463&ext=.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/lucrecia-perez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Andover, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/lucrecia-perez-1240080",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "score": 40,
      "loan_officer": {
        "nmls_id": 28520,
        "slug": "filip-j-ramil-28520",
        "full_name": "Filip J Ramil",
        "canonical_url": "https://lendb.ai/lo/filip-j-ramil-28520",
        "json_url": "https://lendb.ai/lo/filip-j-ramil-28520.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Dedham",
          "state": "MA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/BI-QV03L4vptoanvVv58Fv8s0oL29zgoMpj-icz42yY/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ma/dedham/869-providence-hwy-hla-28520",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Dedham, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/filip-j-ramil-28520",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 184664,
        "slug": "olga-laffitte-184664",
        "full_name": "Olga Laffitte",
        "licensed_names": [
          {
            "name": "Olga Laffitte",
            "name_with_middle_initial": "Olga M. Laffitte",
            "first_name": "Olga",
            "middle_initial": "M",
            "last_name": "Laffitte",
            "states": [
              "CT",
              "FL",
              "MA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/olga-laffitte-184664",
        "json_url": "https://lendb.ai/lo/olga-laffitte-184664.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Peabody",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/1fe387e0-902b-4adf-8cff-7a738d2e7521/Website/4822_Laffitte_184664.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "TX",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-09-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/peabody-ma-4822/olga-laffitte/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Peabody, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO184664), verified 2026-10-26",
        "Earliest state license record: September 23, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/olga-laffitte-184664",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO184664), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 6,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 2051827,
        "slug": "derick-andrade-2051827",
        "full_name": "Derick Andrade",
        "licensed_names": [
          {
            "name": "Derick Andrade",
            "name_with_middle_initial": "Derick M. Andrade",
            "first_name": "Derick",
            "middle_initial": "M",
            "last_name": "Andrade",
            "states": [
              "CT",
              "FL",
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827",
        "json_url": "https://lendb.ai/lo/derick-andrade-2051827.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Seekonk",
          "state": "MA"
        },
        "headshot_url": "https://firsthome.com/wp-content/uploads/2020/12/Derick-Andrade-1-scaled.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/derick-andrade/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Seekonk, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2051827), verified 2026-10-26",
        "Earliest state license record: August 25, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2051827), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 7,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 16124,
        "slug": "andrew-distefano-16124",
        "full_name": "Andrew DiStefano",
        "licensed_names": [
          {
            "name": "Andrew Distefano",
            "name_with_middle_initial": "Andrew A. Distefano",
            "first_name": "Andrew",
            "middle_initial": "A",
            "last_name": "Distefano",
            "states": [
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/andrew-distefano-16124",
        "json_url": "https://lendb.ai/lo/andrew-distefano-16124.json",
        "lender": {
          "nmls_id": 1881,
          "name": "New Fed Mortgage, Corp.",
          "slug": "new-fed-mortgage-corp-1881",
          "canonical_url": "https://lendb.ai/lender/new-fed-mortgage-corp-1881",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": "MA"
        },
        "headshot_url": "https://newfed.com/wp-content/uploads/2026/07/andrew-distefano.jpg",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "it"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://newfed.com/loan-officers/andrew-distefano/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Massachusetts",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO16124), verified 2026-10-26"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-distefano-16124",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO16124), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 8,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 17695,
        "slug": "jesus-paraliticci-17695",
        "full_name": "Jesus Paraliticci",
        "canonical_url": "https://lendb.ai/lo/jesus-paraliticci-17695",
        "json_url": "https://lendb.ai/lo/jesus-paraliticci-17695.json",
        "lender": {
          "nmls_id": 1881,
          "name": "New Fed Mortgage, Corp.",
          "slug": "new-fed-mortgage-corp-1881",
          "canonical_url": "https://lendb.ai/lender/new-fed-mortgage-corp-1881",
          "type": "imb"
        },
        "branch": {
          "city": "Reading",
          "state": "MA"
        },
        "headshot_url": "https://newfed.com/wp-content/uploads/2026/07/LO-Website-Headshot-Sizing_Jesus-Paraliticci-1024x1024-1.jpg",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "it",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://newfed.com/loan-officers/jesus-paraliticci/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Reading, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO17695), verified 2026-10-26"
      ],
      "canonical_url": "https://lendb.ai/lo/jesus-paraliticci-17695",
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        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO17695), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
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          "name": "Total Mortgage Services",
          "slug": "total-mortgage-services-2764",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
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        },
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          "va"
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      },
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      ],
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        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
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      "score": 35.5,
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          "type": "imb"
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          {
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          {
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            "confidence": "confirmed"
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        ],
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          "es",
          "pt"
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          "va"
        ],
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
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        "lender_profile_url": "https://www.totalmortgage.com/bankers/raphael-lunardi",
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      },
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      "canonical_url": "https://lendb.ai/lo/raphael-lunardi-2432177",
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        "state": "MA",
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        "eligible": true,
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        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
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      "score": 34,
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        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Jamaica Plain",
          "state": "MA"
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        "licensed_since": null,
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      "canonical_url": "https://lendb.ai/lo/belinson-perez-1507115",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
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        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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        ],
        "canonical_url": "https://lendb.ai/lo/jaime-laureano-257075",
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        "lender": {
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          "name": "Total Mortgage Services",
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            "state": "FL",
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
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            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
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        "years_experience": 30,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/jaime-laureano",
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      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
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        "States 30 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/jaime-laureano-257075",
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        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.totalmortgage.com/bankers/jaime-laureano"
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      "rank": 13,
      "score": 30.5,
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        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Saugus",
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        "headshot_url": "https://images.em.bankofamerica.com/AMP/4EE40C64-FAFA-4849-8762-A50C7F981945.png",
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        "lender_offers": [
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          "first-time-buyer",
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          "jumbo",
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 1,
        "lender_profile_url": "https://mortgage.bankofamerica.com/yassette-gonzalez",
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      "reasons": [
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 1 year of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/yassette-gonzalez-rivera-843741",
      "license_check": {
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        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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        "States 1 year of experience (lender page, 2026-10-19)"
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            "confidence": "lender_reported"
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          {
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          {
            "state": "NM",
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "PA",
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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          "state": "TX"
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        "lender_profile_url": "https://ihmcloans.com/david-rodriguez/",
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          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
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        "headshot_url": "https://images.em.bankofamerica.com/AMP/D37938F5-CCF9-45D4-87EB-65CC395229C2.jpg",
        "licensed_states": [],
        "licenses": [],
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        "languages": [
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        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/elbertbaquero",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Boston, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/elbert-baquero-800155",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 17,
      "score": 30,
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        "slug": "monica-hernandez-velez-972495",
        "full_name": "Monica Hernandez Velez",
        "canonical_url": "https://lendb.ai/lo/monica-hernandez-velez-972495",
        "json_url": "https://lendb.ai/lo/monica-hernandez-velez-972495.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Peabody",
          "state": "MA"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/BD178AA1-8902-4ACD-8A54-A2DAF16410D6.jpg",
        "licensed_states": [],
        "licenses": [],
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        "specialties": [],
        "lender_offers": [
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          "jumbo",
          "physician",
          "va"
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/mhernandez50",
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      },
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        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Peabody, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/monica-hernandez-velez-972495",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
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    },
    {
      "rank": 18,
      "score": 30,
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        "full_name": "Karenina Fernandez",
        "canonical_url": "https://lendb.ai/lo/karenina-fernandez-1453149",
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        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
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          "state": "MA"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/B2393247-039C-4408-AA7A-80396D8AE143.jpg",
        "licensed_states": [],
        "licenses": [],
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        "licensed_since": null,
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/karenina-fernandez-1453149",
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        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
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    },
    {
      "rank": 19,
      "score": 30,
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        "canonical_url": "https://lendb.ai/lo/cristhy-tejada-2000977",
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          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
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        "licensed_states": [],
        "licenses": [],
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
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        "Office in Boston, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/cristhy-tejada-2000977",
      "license_check": {
        "state": "MA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
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      "score": 30,
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        "canonical_url": "https://lendb.ai/lo/myra-maldonado-2025724",
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        "lender": {
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          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
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          "state": "MA"
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        "headshot_url": "https://images.em.bankofamerica.com/AMP/BD131712-654A-4248-9031-0E32064EDEEE.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        "specialties": [],
        "lender_offers": [
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          "jumbo",
          "physician",
          "va"
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/myra-maldonado",
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        "Office in West Springfield, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/myra-maldonado-2025724",
      "license_check": {
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        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
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      "rank": 21,
      "score": 30,
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        "canonical_url": "https://lendb.ai/lo/lilienne-lawson-2059015",
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        "lender": {
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          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
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        "branch": {
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/lilienne-lawson-2059015",
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        "confidence": "federal_registration",
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        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
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      "score": 30,
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        "full_name": "Lician Romero Flores",
        "canonical_url": "https://lendb.ai/lo/lician-romero-flores-2335787",
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          "name": "Bank of America",
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          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
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        "headshot_url": "https://images.em.bankofamerica.com/AMP/0DE09589-EDD7-4140-ADC4-712EC7D26CA5.png",
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        "licensed_since": null,
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      ],
      "canonical_url": "https://lendb.ai/lo/lician-romero-flores-2335787",
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        "confidence": "federal_registration",
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
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        },
        "branch": {
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        "licensed_since": null,
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      ],
      "canonical_url": "https://lendb.ai/lo/laura-vasquez-2835398",
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}