---
canonical_url: https://lendb.ai/lo/esther-duca-518442
json_url: https://lendb.ai/lo/esther-duca-518442.json
nmls_id: 518442
last_verified: 2026-10-09
---

# Esther Duca

Enterprise Lending Officer at Bank of America, Daytona Beach, FL. NMLS ID 518442 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518442)).

**Summary:** Esther Duca (NMLS 518442) is Enterprise Lending Officer at Bank of America, based in Daytona Beach, FL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 26 years of experience. Last verified 2026-10-09.

## 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): 26 (source: https://mortgage.bankofamerica.com/estherduca, verified 2026-10-09)
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Esther Duca has 26 years of experience matching clients to home loans. She offers guidance through the loan process and familiarity with a wide range of options.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 26. Source: https://mortgage.bankofamerica.com/estherduca, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Bank of America (NMLS 399802), Daytona Beach, FL. Source: https://mortgage.bankofamerica.com/estherduca, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518442

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/estherduca
- Office phone on file: shown at https://lendb.ai/lo/esther-duca-518442#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/518442
- lender_site: https://mortgage.bankofamerica.com/estherduca

Cite as: Esther Duca (NMLS 518442), Bank of America. LenDb.ai, https://lendb.ai/lo/esther-duca-518442, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._