--- canonical_url: https://lendb.ai/lo/jim-kelley-22227 json_url: https://lendb.ai/lo/jim-kelley-22227.json nmls_id: 22227 last_verified: 2026-10-16 --- # Jim Kelley AVP, Senior Mortgage Loan Officer at Bangor Savings Bank, Andover, MA. NMLS ID 22227 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22227)). 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. **Summary:** Jim Kelley (NMLS 22227) is AVP, Senior 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: FHA loan, VA loan and First-time buyer. Last verified 2026-10-16. ## Quick answers ### Is Jim licensed? Jim 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 Jim do FHA loans? Jim's profile lists FHA loan as a focus (from their lender profile page). It also lists VA loan and first-time buyer. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/. ### What lender does Jim 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/jim-kelley/. ## 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. - 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) - **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/ - **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/ - **First-time buyer** (`first-time-buyer`): 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/jim-kelley/ ## About 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: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - service_area: Andover, MA and surrounding North Shore MA communities including greater Boston area, Lawrence, Methuen, Lowell, Danvers, Woburn. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/, 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/jim-kelley/, 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/22227 ## Contact - View profile at Bangor Savings Bank: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/ - Office phone and Email on file: shown at https://lendb.ai/lo/jim-kelley-22227#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22227 - lender_site: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/jim-kelley/ Cite as: Jim Kelley (NMLS 22227), Bangor Savings Bank. LenDb.ai, https://lendb.ai/lo/jim-kelley-22227, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._