---
canonical_url: https://lendb.ai/lo/joana-morais-1301688
json_url: https://lendb.ai/lo/joana-morais-1301688.json
nmls_id: 1301688
last_verified: 2026-10-09
---

# Joana Morais

Credit Solutions Advisor, Vice President at Bank of America, Turlock, CA. NMLS ID 1301688 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1301688)).

**Summary:** Joana Morais (NMLS 1301688) is Credit Solutions Advisor, Vice President at Bank of America, based in Turlock, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish. 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.
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

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

## Employment history

- ? to present: Bank of America (NMLS 399802), Turlock, CA. Source: https://mortgage.bankofamerica.com/joanamorais, 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/1301688

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/joanamorais
- Office phone on file: shown at https://lendb.ai/lo/joana-morais-1301688#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1301688
- lender_site: https://mortgage.bankofamerica.com/joanamorais

Cite as: Joana Morais (NMLS 1301688), Bank of America. LenDb.ai, https://lendb.ai/lo/joana-morais-1301688, last verified 2026-10-09.

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