--- canonical_url: https://lendb.ai/lo/bill-palm-33986 json_url: https://lendb.ai/lo/bill-palm-33986.json nmls_id: 33986 last_verified: 2026-10-16 --- # Bill Palm Mortgage Loan Officer at Bangor Savings Bank, Andover, MA. NMLS ID 33986 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/33986)). Bill Palm (NMLS 33986) is a Mortgage Loan Officer at Bangor Savings Bank in Andover, Massachusetts. Bill's own profile lists first-time buyer, construction loan and vacation home as a focus. **Summary:** Bill Palm (NMLS 33986) is Mortgage Loan Officer at Bangor Savings Bank, based in Andover, MA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer, Construction loan, Vacation home and Renovation loan (203k / HomeStyle). States 28 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Bill licensed? Bill 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. ### Does Bill list first-time buyer as a focus? Bill's profile lists first-time buyer as a focus (from their lender profile page). It also lists construction loan, vacation home and renovation loan (203k / HomeStyle). Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/. ### What lender does Bill work for? Bangor Savings Bank, company NMLS 449200, from the Andover, MA office, per the lender's own site (verified 2026-10-16). Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/. ### How much experience does Bill have? Bill states 28 years of experience. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/. ## 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. - Years experience (stated by the LO): 28 (source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/, verified 2026-10-16) - 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) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/ - **Construction loan** (`construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/ - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/ - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/ ## About Bill Palm is a Mortgage Loan Officer at the Andover, MA branch. They have 28 years of experience in lending and financial services. They say they specialize in first-time homebuying, construction and rehab loans, second home loans, and investment home loans for 1 to 4 units. Source: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - years_experience: 28. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/, verified 2026-10-16. - service_area: North Shore, MA. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bangor Savings Bank (NMLS 449200), Andover, MA. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/, 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/33986 ## Contact - View profile at Bangor Savings Bank: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/ - Office phone and Email on file: shown at https://lendb.ai/lo/bill-palm-33986#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/33986 - lender_site: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/william-palm/ Cite as: Bill Palm (NMLS 33986), Bangor Savings Bank. LenDb.ai, https://lendb.ai/lo/bill-palm-33986, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._