--- canonical_url: https://lendb.ai/lo/chad-fletcher-311097 json_url: https://lendb.ai/lo/chad-fletcher-311097.json nmls_id: 311097 last_verified: 2026-10-26 --- # Chad Fletcher Loan Officer | Vice President at Blue Water Mortgage, LLC. NMLS ID 311097 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311097)). Chad Fletcher (NMLS 311097) is a mortgage loan officer at Blue Water Mortgage, LLC, licensed in Florida since 2023 and in Massachusetts. **Summary:** Chad Fletcher (NMLS 311097) is Loan Officer | Vice President at Blue Water Mortgage, LLC. Licensed in 2 states confirmed with state regulators: Florida and Massachusetts. Also lists Maine and New Hampshire on the lender page (not yet checked with the state regulator). Earliest state license record: November 16, 2023 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Chad licensed in Florida? Yes. Florida regulator records list license LO124293 as active, first effective November 16, 2023 (verified 2026-10-15). LenDb has 3 other states on file for Chad. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Chad work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15). Source: https://bluewatermtg.com/our-team/chad-fletcher/. ### How long has Chad been licensed? The earliest state license record LenDb holds for Chad is from November 16, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: November 16, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Chad P. Fletcher (FL, MA, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), New Hampshire (NH, lender_reported) - 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. ## About Chad Fletcher is a Loan Officer and Vice President licensed in FL, MA, ME and NH. They have more than two decades in mortgage lending, including work with buyers, homeowners and real estate investors. They work as a mortgage broker and are a UNH graduate. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: more than 20. Source: https://bluewatermtg.com/our-team/chad-fletcher/, verified 2026-10-15. - role: mortgage broker. Source: https://bluewatermtg.com/our-team/chad-fletcher/, verified 2026-10-15. - education: UNH graduate. Source: https://bluewatermtg.com/our-team/chad-fletcher/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO124293 | active | confirmed | 2023-11-16 | state_regulator | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO311097 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/chad-fletcher/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311097 ## Contact - linkedin_url: https://www.linkedin.com/in/chad-fletcher-104b6114/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/chad-fletcher/ - Office phone and Email on file: shown at https://lendb.ai/lo/chad-fletcher-311097#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311097 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/chad-fletcher/ Cite as: Chad Fletcher (NMLS 311097), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/chad-fletcher-311097, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._