{
  "canonical_url": "https://lendb.ai/lo/david-j-smallwood-612440",
  "lede": {
    "text": "David J. Smallwood, NMLS 612440, works as a mortgage loan officer at Bangor Savings Bank in Bangor, Maine.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is David licensed?",
      "a": "David works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does David work for?",
      "a": "Bangor Savings Bank, company NMLS 449200, from the Bangor, ME office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does David have?",
      "a": "David states 30 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 612440,
    "slug": "david-j-smallwood-612440",
    "canonical_url": "https://lendb.ai/lo/david-j-smallwood-612440",
    "md_url": "https://lendb.ai/lo/david-j-smallwood-612440.md",
    "json_url": "https://lendb.ai/lo/david-j-smallwood-612440.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/612440",
    "full_name": {
      "value": "David J. Smallwood",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    "first_name": "David",
    "last_name": "Smallwood",
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/c7323668-366f-4801-8fa4-456546301ef4/David-Smallwood.jpg?width=614&height=768&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "VP, Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 449200,
      "lender_name": "Bangor Savings Bank",
      "lender_slug": "bangor-savings-bank-449200",
      "branch_city": "Bangor",
      "branch_state": "ME",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 449200,
        "lender_name": "Bangor Savings Bank",
        "lender_slug": "bangor-savings-bank-449200",
        "branch_city": "Bangor",
        "branch_state": "ME",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "University of Maine at Machias",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Brewer, Dedham, Orrington, ME",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/david-j-smallwood/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:00:17.420506+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-j-smallwood-612440#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/david-j-smallwood/",
      "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"
    }
  }
}