{
  "canonical_url": "https://lendb.ai/lo/jim-kelley-22227",
  "lede": {
    "text": "Jim Kelley (NMLS 22227) is a mortgage loan officer at Bangor Savings Bank in Andover, Massachusetts. Jim's own profile lists FHA loan, VA loan and first-time buyer as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jim licensed?",
      "a": "Jim 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": "Does Jim do FHA loans?",
      "a": "Jim's profile lists FHA loan as a focus (from their lender profile page). It also lists VA loan and first-time buyer.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Jim work for?",
      "a": "Bangor Savings Bank, company NMLS 449200, from the Andover, MA 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/jim-kelley/",
      "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": 22227,
    "slug": "jim-kelley-22227",
    "canonical_url": "https://lendb.ai/lo/jim-kelley-22227",
    "md_url": "https://lendb.ai/lo/jim-kelley-22227.md",
    "json_url": "https://lendb.ai/lo/jim-kelley-22227.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22227",
    "full_name": {
      "value": "Jim Kelley",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Jim",
    "last_name": "Kelley",
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/b7914eb8-a806-4518-a3de-d36932c017d6/Jim-Kelley.jpg?width=3168&height=4113&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Jim Kelley is an AVP and Senior Mortgage Loan Officer in Andover, MA with over 33 years of experience in mortgage lending. They serve the North Shore MA area, including greater Boston, Lawrence, Methuen, Lowell, Danvers, and Woburn. Outside of work they enjoy golf.",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "AVP, Senior Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 449200,
      "lender_name": "Bangor Savings Bank",
      "lender_slug": "bangor-savings-bank-449200",
      "branch_city": "Andover",
      "branch_state": "MA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 449200,
        "lender_name": "Bangor Savings Bank",
        "lender_slug": "bangor-savings-bank-449200",
        "branch_city": "Andover",
        "branch_state": "MA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Andover, MA and surrounding North Shore MA communities including greater Boston area, Lawrence, Methuen, Lowell, Danvers, Woburn",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:25:03.511353+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jim-kelley-22227#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/jim-kelley/",
      "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"
    }
  }
}